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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Buying GuidesBooking Travel: Windows, Stacking and Card Combos That Cut Costs
Few purchases combine as many moving parts as travel: timing windows, dynamic pricing, platform coupons, card-linked travel portals, reward points, lounge access, and cancellation flexibility. Each variable is modest alo
Buying GuidesPharmacy & Healthcare Spends: Reward Strategy for Medical Bills
Medical expenditure is the one category nobody chooses. Prescriptions, diagnostics, hospital bills, and insurance premiums arrive on their own schedule, often at stressful moments, and frequently in large amounts. That m
Buying GuidesOnline Shopping Carts: Timing, Coupons and Card Stacking for Bigger Savings
Online shopping in India is a layered pricing environment. The price you see is rarely the price you have to pay: platform coupons, bank offers, card rewards, wallet cashback, exchange bonuses, and no-cost EMI schemes al
Buying GuidesSubscription Audit: Paying for Streaming, Apps and Memberships the Smart Way
The average urban Indian household in 2026 carries a small constellation of subscriptions: two or three video streaming services, a music app, cloud storage, a news subscription, fitness apps, software tools, gaming memb
Buying GuidesUtility Bills on Credit Cards: Autopay, Rewards and the Fine Print
Electricity, piped gas, water, broadband, mobile recharges, DTH — utility bills are the definition of predictable spend. They arrive every month, the amounts move within a narrow range, and they require zero shopping dis
Buying GuidesFuel & Commute Spends: Getting the Most from Every Litre in 2026
Few spend categories come with as much fine print as fuel. Surcharges, surcharge waivers with minimum and maximum caps, reward exclusions specific to fuel stations, co-branded fuel cards with their own ecosystems — fuel
Buying GuidesDining Out & Food Delivery: A Rewards Strategy for Every Meal
Indian urban households now spend across a spectrum of food occasions: the neighbourhood restaurant, the premium weekend dinner, the daily office lunch, and the delivery app order that arrives at the door in twenty minut
Buying GuidesGrocery Spend Optimisation with Credit Cards: The Complete 2026 Playbook
For most Indian households, grocery is the single largest recurring card-spend category. It runs month after month, it is largely non-negotiable, and — crucially — it is where reward-earning behaviour quietly compounds.
How-To GuidesUpgrade vs Keep: Deciding When Your Card Should Change
Sooner or later, every cardholder outgrows a card — or the card's issuer dangles a shinier one. Your spending has grown, a premium card's benefits suddenly look relevant, or the bank itself offers you an upgrade with a w
How-To GuidesThe 12-Month Card Review: Keep, Downgrade or Cancel
Every credit card deserves an annual performance review — the same way you'd review a subscription or an investment. Cards drift: your spending changes, issuers devalue rewards, fees post quietly, and a card that was per
How-To GuidesFirst Fee-Waiver Call: Negotiating Your Annual Fee
Every year, millions of Indian cardholders pay an annual fee they could have had reduced or waived entirely — simply because they never asked. Issuers expect the call. They have retention budgets, spend-based waiver crit
How-To GuidesReferral Rewards: How Card Referral Programmes Work
Most Indian credit card issuers run refer-a-friend programmes: you recommend your card to someone, they apply through your link, and once they're approved (and sometimes after they hit a first milestone), both of you get