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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Credit HealthBig-Ticket EMI and Your CIBIL Score in 2026: What Actually Moves the Needle
"Will this EMI hurt my CIBIL?" — asked at every appliance counter in India, usually answered with folklore. The truth is mechanical: CIBIL (and the other bureaus — Experian, Equifax, CRIF) score on five factors, and a bi
Buying GuidesBicycles in India 2026: Credit-Card EMI and Rewards Guide
Cycling in India has grown from commute to lifestyle: Firefox, Montra, Hero Sprint, Ninety One, Decathlon's Rockrider/BTwin range, Giant, Trek and Scott cover everything from ₹8,000 city bikes to ₹1,50,000+ carbon road m
Card ReviewsBest RuPay Credit Cards for UPI Spends in 2026
RuPay credit cards on UPI are the most structurally interesting development in Indian payments: they let you earn credit-card rewards on UPI QR payments — the kirana, the auto-rickshaw, the street-food stall, the local p
Card ReviewsBest Credit Cards for EMI Shopping in 2026: An Honest Ranking
"Best card for EMI" is a question with a real answer — but it's not one card. The best EMI card depends on where you shop (marketplace vs brand counter), what you buy (electronics vs appliances vs furniture), and whether
Card ReviewsBest Cashback Credit Cards for Small Purchases in 2026
Small purchases — the ₹200 chai, ₹800 grocery top-up, ₹1,500 pharmacy bill, ₹3,000 utility payment — are where most credit-card spending actually happens. They're also where card choice matters least per transaction and
How-To GuidesAnnual Fee Waiver Spend Tracking 2026: The System That Pays the Fee
Many credit cards waive the annual fee if you cross a spend threshold — ₹3 lakh, ₹5 lakh, sometimes ₹1 lakh (illustrative patterns; your card's MITC governs). The waiver is free money, but only if you track it: the bank
Buying GuidesAir Purifiers in 2026: Buying with a Credit Card — EMI, Bank Offers and Reward Math
An air purifier is a classic grudge purchase: you buy it when the AQI turns red, the price is rarely small, and every brand claims its filter is the one that matters. In 2026 the Indian market is dominated by a handful o
Buying GuidesWashing Machine on No-Cost EMI: Credit Card Offers and Sizing Guide India 2026
Washing machines occupy a sweet spot for credit-card strategy: ₹18,000–₹45,000 tickets, universal no-cost EMI availability, and brand-specific bank offers that most buyers discover only at checkout. This guide covers siz
Buying GuidesStudent Tablet Buying Guide 2026: Credit Card Discounts, EMI and Education Pricing
A tablet is the classic student purchase — big enough to need a plan, small enough that most buyers never make one. The 2026 student tablet market (₹15,000–₹45,000) has three separate discount systems that most buyers ne
Buying GuidesBuying a Smart TV in the 2026 Festive Sales: Bank Offers, EMI and Card Strategy
The smart TV is the definitive festive purchase in India — and the category where bank offers do the heaviest lifting. A 55-inch TV at ₹55,000 with a 10% instant discount and 5% cashback lands near ₹47,000. The same TV b
ComparisonsOne Card vs a Card Combo for Festive Shopping in 2026: The Honest Comparison
The perennial debate: is one great card enough, or do you need a combo of 2–3 cards to maximize festive shopping? The honest answer in 2026 is that it depends on your festive budget — and the math has a clear break-even.
ComparisonsSBI SimplyCLICK vs IDFC First Millennia in 2026: Which Online-Spender Card Wins
Two of India's most-held entry cards face off: the SBI SimplyCLICK (the online-spend specialist) vs the IDFC First Millennia (the no-fee all-rounder). Both target the same buyer — the young online spender — but they win