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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How-To GuidesThe Cardholder Paperwork Reset: Getting Statements and Documents in Order
Nobody frames their credit card statements. Nobody should — but everybody should be able to find them. Statements, fee schedules, closure confirmations, dispute references, and reward programme terms form the paper trail
How-To Guides2027 Spend Goals by Category: Match Every Rupee to the Right Card
Most cardholders set financial goals in rupees — "save more," "spend less" — and then route every purchase through whichever card is on top of the stack. The result is predictable: rewards leak away in small, invisible d
How-To GuidesWhy Your 2027 Card Portfolio Needs an Emergency Buffer Card
Every well-designed system has a component whose entire job is to do nothing — until the day it does everything. In engineering it is the backup generator. In personal finance, it is the emergency buffer card: a credit c
Credit HealthCredit Utilisation Planning for 2027: Spend Smarter, Score Higher
Of all the levers that move a credit score, utilisation is the strangest: it rewards you for having credit you do not use, punishes you for using the credit you were granted, and resets its memory every month as if nothi
How-To GuidesThe January Autopay Audit: Reviewing Every Card Mandate Before 2027
Autopay is the financial equivalent of a self-driving car: wonderful when it works, and you only discover the failure modes at the worst possible moment. Over the years, your cards accumulate mandates the way browsers ac
How-To GuidesSweep Your Expiring Rewards Before the New Year: A Points Rescue Plan
Somewhere in your wallet right now, points are dying. Reward programmes attach expiry clocks to their currencies — some points last three years, some last one, some expire at the end of the calendar year regardless of wh
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)