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 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
How-To GuidesPoints Transfer Ratios Explained: Reading Conversion Charts
Every bank that offers points transfers publishes a conversion chart: a list of partner programmes with the ratio at which bank points convert into partner miles or hotel points. Learning to read this chart correctly — a
How-To GuidesHow Credit Card Points Become Airline Miles in India: A Beginner's Guide
If you hold an Indian credit card that earns reward points, you have probably seen a button somewhere in the bank's app that says something like "Convert to airline miles" or "Transfer to partners". Pressing it moves you
Credit HealthHow to Protect Your Credit Score Through Festive-Sale Spending
December produces the largest credit-card statements of the year — and January produces the credit-report consequences. Nothing about festive spending is inherently bad for your credit score; bureaus do not penalise shop
Card ReviewsBest Credit Cards for Year-End Sales 2026–27: A Ranking
Every December, the same question floods deal communities: which credit card should I use in the year-end sale? The honest answer is that there is no single best card — there is a best *portfolio*, and the ranking depend
Deals & OffersThe Last-Minute Checklist Before a Festive Sale Goes Live
Sales reward the prepared and tax the hurried. The price difference between a shopper who did thirty minutes of setup the evening before and one who improvises at midnight is routinely larger than any single coupon — it
How-To GuidesWallet Loads with Credit Cards Before a Sale: Mechanics and Limits
In the days before a big sale, a persistent piece of advice circulates in deal communities: load your wallet with your credit card now, then spend from the wallet during the sale. The logic sounds appealing — lock in the