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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How-To GuidesPaying Utility Bills via CRED, Paytm, PhonePe and Amazon Pay: Fee Comparison
CRED, Paytm, PhonePe, and Amazon Pay all pay utility bills through BBPS — but they differ in convenience fees for credit card payments, reward treatment, and reliability. Since the underlying biller and BBPS rail are ide
How-To GuidesCredit Card Autopay for Utility Bills: SmartPay, Mandates and Failure Handling
Autopay turns utility bills from a monthly chore into a background process — but only if the mandates are set up correctly and monitored. Between bank SmartPay platforms, biller-direct mandates, and BBPS autopay, the opt
How-To GuidesMobile, Broadband and DTH Bills on Credit Cards: Telecom Payment Mechanics
Telecom payments — mobile postpaid bills, prepaid recharges, broadband, and DTH — are the highest-frequency card transactions in most Indian households. They code under telecom MCC 4814 (one of the three utility codes ci
How-To GuidesPaying Water Bills With a Credit Card: Portals, Charges and Rewards
Water bills are the smallest and most overlooked utility payment — often a few hundred rupees a month from municipal boards (Delhi Jal Board, BWSSB, Hyderabad's HMWSSB, municipal corporations). They are payable by card i
How-To GuidesPaying Gas Bills (LPG and Piped Gas) With a Credit Card
Gas payments in India come in two forms — LPG cylinder bookings (Indane, HP, Bharatgas) and piped natural gas bills (Mahanagar Gas, IGL, Adani Total Gas, and others) — and they behave differently as card transactions. Th
How-To GuidesPaying Electricity Bills With a Credit Card: Biller Rules and Reward Quirks
Electricity bills are the most universal utility payment in India — monthly, unavoidable, and increasingly payable by credit card through discom portals, BBPS apps, and wallets. But electricity sits in one of the most ex
How-To Guides10 Mistakes to Avoid When Paying Insurance Premiums With a Credit Card
Paying insurance premiums with a credit card is straightforward, but the mistakes people make are expensive — lapsed policies, lost rewards, fees that erase the points. Here are the ten most common ones, and how to avoid
How-To GuidesConvenience Fees on Insurance Premium Payments: What Portals Actually Charge
A convenience fee — the surcharge a payment portal adds when you pay by credit card — can quietly erase the value of the rewards you earn on an insurance premium. Fees vary wildly by channel: some insurers absorb them, s
How-To GuidesPaying ULIP and Endowment Premiums With a Credit Card: What Changes
Unit-linked insurance plans (ULIPs) and traditional endowment plans combine insurance cover with an investment component, and their premiums are often larger than pure term-plan premiums. Paying them with a credit card f
How-To GuidesUsing Annual Insurance Premiums to Hit Credit Card Fee-Waiver Milestones
Many credit cards waive their annual fee — or unlock bonus vouchers — when you cross a spend threshold in a year. Insurance premiums, being large and predictable, are ideal milestone fuel. But whether a premium counts to
How-To GuidesEMI on Insurance Premiums: Card EMI vs Insurer Monthly Mode — The Real Math
A ₹1,00,000 annual premium is a lot to pay in one go, so two instalment options compete for your attention: the insurer's own monthly or quarterly payment mode, and converting the annual lump sum into EMI on your credit
How-To GuidesMotor Insurance Renewal on a Credit Card: Aggregator vs Insurer-Direct Payments
Motor insurance renewal is the most frequent insurance payment most Indians make — every year, for every vehicle. It is also one of the most shopped-around: aggregators like Policybazaar compete with insurers' own websit