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 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
How-To GuidesHow to Use Reward Points Smartly Through the Holiday Season
December is the month your reward points work hardest — and the month they are most often wasted. Balances are at their annual peak after a year of spending, festive bonus points from the autumn sales post to accounts, a
Buying GuidesBooking Year-End Holiday Travel with Credit Cards: A Playbook
The last two weeks of December are India's most expensive travel fortnight. Flights to Goa, Coorg, Rajasthan, and every hill station with a view sell out at peak fares; hotels price their Christmas and New Year inventory
Buying GuidesThe Christmas and New Year Gifting Playbook for Credit Card Users
December concentrates a year's worth of generosity into about three weeks. Christmas gifts for family and friends, New Year presents for colleagues and clients, Secret Santa at the office, the obligatory gift for the cou
How-To GuidesEMI Math for Year-End Sale Purchases: When the Instalments Cost You
The checkout page of every Indian marketplace nudges you toward the same button during a festive sale: convert to EMI. The monthly figure looks small, the word "no-cost" looks reassuring, and the bank offer beside it som
Deals & OffersHow to Verify a Bank Offer Before You Check Out in a Festive Sale
The most expensive line in any festive sale is not a price — it is an assumption. Every year, shoppers reach the payment step confident that a bank offer will apply, only to watch the discount vanish at the final screen.
How-To GuidesHow to Stack Bank Offers, Coupons and Card Rewards in the Christmas–New Year Sales
Every December, Indian marketplaces and brand stores run their last big sale event of the year, and every January they follow it up with clearance and "new year" pricing. Most shoppers treat these as a single discount —