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 GuidesErgonomic Office Chairs in 2026: Buying with a Credit Card — EMI, Rewards and What to Check
A good ergonomic chair is the single highest-return purchase in a work-from-home setup, and also one of the most expensive single items in it. Entry-level ergonomic chairs sit roughly in the ₹8,000–₹15,000 band, mid-rang
How-To GuidesEMI Preclosure in 2026: When Paying Off Early Saves Money (and When It Doesn't)
You converted a ₹60,000 (illustrative) purchase into a 12-month EMI. Six months in, you have the cash to kill it. Should you? The answer is not automatically yes — EMI preclosure has its own cost structure, and in some c
How-To GuidesUtilization Reporting Dates in 2026: The Day Your Balance Hits Your CIBIL File
Credit utilization — the percentage of your credit limit you're using — is one of the heaviest inputs to your CIBIL score. But here is the part most people get wrong: the utilization that matters is not your balance on a
How-To GuidesAuditing Your Credit Card Statement in 2026: A 15-Minute Monthly Checklist
Your credit card statement is the one document that records every rupee you spent, every fee you were charged, and every rupee of interest the bank claims. Most people glance at the total and pay it. Fifteen minutes a mo
How-To GuidesThe Chargeback Playbook 2026: Disputing a Credit Card Transaction Step by Step
You paid for something you never received. A merchant charged you twice. A subscription you cancelled kept billing. In all of these cases, the money moved through your credit card — and that gives you a weapon the mercha
How-To GuidesCard Tokenization in 2026: What It Is and Why Your Saved Cards Changed
A few years ago, saving your card on a shopping site meant the merchant stored your actual 16-digit card number on their servers. If that merchant got hacked, your real card number leaked. The RBI ended that model: since
How-To GuidesCleaning Up Cards-on-File in 2026: Subscriptions, Saved Cards and Leak Hygiene
Your card number is saved in more places than you think: food delivery apps, e-commerce sites, streaming services, travel portals, that one furniture store you bought from in 2023. Each saved card is a live payment crede
Deals & OffersBank Offer T&C Traps in 2026: The Fine Print That Voids Your Festive Discount
The festive bank offers of October 2026 looked generous on the banners — Amazon's Great Indian Festival began October 8, 2026, Flipkart's Big Billion Days began October 9, 2026 — but the banners are advertising, and the
How-To GuidesAutopay on Credit Cards in 2026: Setup, Safety Nets and What Can Go Wrong
Missing a credit card due date even once triggers a late-payment fee, interest on the outstanding balance, and a black mark on your credit report. Autopay exists to make that miss impossible. You authorise your bank to d
Buying Guides4K Monitors in 2026: Paying with a Credit Card — EMI Math, Bank Offers and Panel Choices
A 4K monitor is the work-from-home upgrade with the most visible daily payoff after the chair: sharper text, more screen real estate, less window-juggling. It's also a textbook credit-card purchase — a single item typica
Deals & OffersWinter Appliance Bank Offers 2026: Geysers, Heaters and Purifiers on Credit Cards
Winter in India is appliance season: geysers, room heaters, water heaters and air purifiers (AQI peaks in winter) all get bought between October and January. And October–December is also the richest bank-offer window of
Buying GuidesTreadmills and Home-Gym Equipment 2026: The Credit-Card Buying Guide
Home gyms survived the return-to-office: treadmills, spin bikes, dumbbell sets and benches are now permanent fixtures in urban Indian homes. The market — Powermax, Cockatoo, Lifelong, Fitkit, Durafit, Welcare, Kobo, Auri