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.
5684 posts · Page 245 of 474 · View the full archive
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
How-To GuidesAdd-on Cards: When a Supplementary Card Makes Sense
Most credit cards in India can be shared with family members through add-on cards — also called supplementary cards. An add-on card is linked to your primary account: the family member gets their own physical card, their
How-To GuidesAutopay & Spend Tracking: Setting Up a Hands-off Card System
The ideal credit card is boring: money goes out, rewards come in, the bill pays itself, and you never think about it. That state is not luck — it is a system, built once and maintained lightly. This guide builds that sys
How-To GuidesMilestone Spend Planning: Hitting Thresholds Without Overspending
Many Indian credit cards dangle milestone benefits: spend a certain amount in a year (or a quarter) and unlock bonus rewards, vouchers, fee waivers, or lounge access. These can be genuinely valuable — annual fee waivers
How-To GuidesDay One Setup: PIN, Limits, Alerts and Card Security
Security is not something you add to a credit card later — it is something you configure on day one, before the card's first real transaction. Most card fraud in India is not sophisticated hacking; it is opportunistic mi
How-To GuidesWelcome Bonus Checklist: Unlocking Your New Card's Sign-up Rewards
The welcome bonus is usually the single largest reward a credit card will ever pay you — often worth more than a full year of ordinary spending. It is also the easiest reward to lose. Issuers design these offers with pre
How-To GuidesYour First 90 Days with a New Credit Card: The Complete Playbook
A new credit card arriving in the post is exciting — and dangerous. The first 90 days set habits, unlock (or squander) welcome rewards, and establish your standing with the issuer. Get them right and the card pays for it