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.
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Credit HealthJanuary Credit-Score Reset: Five Habits to Start 2027 Right
January is the one month when almost everyone is already in planning mode — budgets, fitness, resolutions. Your credit score deserves a place on that list, not because it needs a dramatic rescue, but because credit healt
How-To GuidesBuilding Your 2027 Credit Card Wallet: A Role for Every Rupee
After the fee audit tells you which cards deserve to survive and the downgrade guide tells you how to retire the rest, one question remains: what should the surviving wallet actually look like? A card portfolio is not a
Credit HealthDowngrade or Close: Shutting a Credit Card the Smart Way
Every credit card eventually outlives its welcome. The joining bonus is spent, the fee starts feeling heavy, or the spending pattern it was built for has moved on. What separates a careful cardholder from a careless one
How-To GuidesCredit Card Annual-Fee Audit Before 2027: Keep Only the Cards That Earn Their Place
Most credit card holders collect cards the way cupboards collect mugs: one for fuel, one for groceries, one someone at a kiosk convinced them to take, and one they applied for because the joining bonus looked irresistibl
Deals & OffersTransfer Bonuses: How to Use Promotions Without Getting Burned
A transfer bonus is a limited-time promotion that adds extra miles or hotel points on top of the standard conversion ratio — transfer during the window, get a percentage more. Banks and partner programmes run them to sti
How-To GuidesCombining Transfer Partners with Co-Brand Cards
Most rewards enthusiasts hold two kinds of cards: flexible-points cards (whose points transfer to many partners) and co-brand cards (issued with a specific airline or hotel, earning directly in that programme's currency)
How-To GuidesHow to Transfer Reward Points: A Step-by-Step Walkthrough
Knowing *why* and *when* to transfer is only half the skill; the other half is executing the transfer cleanly. A botched transfer — wrong account number, mismatched name, wrong partner selected — can strand points for we
How-To GuidesKeeping Points Alive: Expiry Rules and Activity Strategies
Points die. Airline miles expire after periods of inactivity, hotel points lapse, and even bank reward points — usually the most generous — eventually have validity windows. Every expired point is money you earned and th
News & DevaluationsDevaluation Risk: How Rewards Programmes Lose Value
Every loyalty currency in existence has one direction it drifts over time: down. Airlines and hotels periodically reprice their award charts, raise the miles required for the same flight or night, add surcharges, or rest
How-To GuidesThe True Cost of Moving Points: Fees, Taxes and Timing
Transfer valuations usually focus on the glamorous side — the ratio, the award price, the per-point value. But every transfer carries costs that quietly eat the headline number: explicit transfer fees, taxes on the trans
How-To GuidesTransfer or Redeem Directly? A Decision Framework
Not every point should be transferred. The transfer game has a quiet failure mode: enthusiasts who move every point to airlines, then watch balances gather dust behind expiry dates and award charts they never use. A good
How-To GuidesSweet-Spot Redemptions: Finding High-Value Transfer Targets
A "sweet spot" is an award redemption where miles buy far more than their typical value — the kind of booking that makes the whole transfer game worthwhile. Sweet spots are not accidents; they emerge from the structure o