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.
6067 posts · Page 277 of 506 · View the full archive
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
How-To GuidesGrievance Redressal Hierarchy: Bank to RBI, Step by Step
Every credit card dispute in India — a wrongful fee, a billing error, a mis-sold card, a harassed-by-collections complaint — travels the same ladder. The rungs are fixed by regulation: the bank's own grievance machinery