The CardBuzz blog
Card-by-card write-ups from our team, features, fees, lounge access and who each card actually suits. For the numbers after every cap and exclusion, head to the card pages.
5108 posts · Page 168 of 426 · View the full archive
How-To GuidesSpend Alerts and Card Limits: Building an Early-Warning System
A budget that only gets checked at month-end is a post-mortem, not a control system. By the time the statement arrives, every rupee is already spent. What card users need is an early-warning system: tripwires that fire w
How-To GuidesAutopay Discipline: The Full-Balance Habit That Keeps the Float
The single most valuable habit in credit card budgeting is also the simplest: pay the full statement balance, automatically, every month. Everything else — rewards, the interest-free period, a clean credit record — flows
How-To GuidesCategory Budgets That Work With Reward-Earning Cards
Most advice treats budgeting and reward-earning as separate hobbies: one tells you to spend less, the other tells you to spend smarter. In reality, the same category — groceries, fuel, dining — is where your budget ceili
How-To GuidesRead Your Credit Card Statement Like a Budget
Your credit card statement is the most honest record of your spending you will ever have. It forgets nothing, rounds nothing, and flatters nothing. Most people glance at the total, pay it, and move on — leaving the riche
How-To GuidesThe 50/30/20 Budget, Rebuilt for Credit Card Users
The 50/30/20 rule is one of the most quoted budgeting frameworks in personal finance: 50% of your take-home income goes to needs, 30% to wants, and 20% to savings and debt repayment. It is simple, and it works — but it w
How-To GuidesTimelines and Follow-Up: Tracking a Card Complaint to Closure
A card complaint is a project, and like any project it dies without a schedule. The issuer's machinery runs on reference numbers and promised dates; the RBI's external system runs on filing windows and scheme timelines;
How-To GuidesGetting Credit-Report Errors Corrected After a Card Dispute
A card dispute does not end at the statement. While you were fighting a wrong charge, the issuer's reporting machinery may have stamped "late payment" or "default" onto your credit record — and that stamp can outlive the
How-To GuidesFraudulent Transactions: The Zero-Liability Window and Reporting Routine
A debit you did not make appears on your card. The next few hours decide how much of it you end up bearing. India has a clear regulatory framework for customer liability in unauthorised electronic transactions — includin
How-To GuidesWhat Compensation a Card Complaint Can Result In
Cardholders often escalate with a vague demand — "compensate me" — and are then disappointed by the outcome. The compensation a card complaint can produce is not open-ended; it follows a defined logic about what was lost
How-To GuidesEvidence That Wins Card Complaints: Documentation That Actually Helps
Card complaints are decided on paper. The nodal officer, the ombudsman, the chargeback analyst — none of them watched your transaction fail, heard the merchant promise a refund, or sat with you on hold for forty minutes.
How-To GuidesNodal and Principal Nodal Officers: Who They Are and How to Use Them
When the call centre has said no and the complaint still stands, the next two rungs of the ladder belong to named people: the nodal officer and the principal nodal officer of your card issuer. These are not call-centre s
How-To GuidesChargeback Rights in India: When Your Bank Can Reverse a Card Transaction
You paid by card, the merchant did not deliver, and the issuer says "talk to the merchant". This is where chargeback enters the picture: it is the card network's dispute mechanism that lets your bank pull a transaction b