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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GuidesHSBC Travelone Credit Card vs SBI Elite Credit Card: Which Credit Card Wins in 2026?
HSBC Travelone Credit Card against SBI Elite Credit Card: fees, reward rates, lounge access and which one suits which spender. Updated 2026
How-To GuidesClosing a secured card: getting your FD back without hurting your score
The unsecured card is approved, the file is healthy, and the secured card has done its job. Time to close it and free the fixed deposit. This should be a five-minute administrative task — but done in the wrong order, it'
ComparisonsFirst card routes compared: secured card vs add-on card vs student programmes
No credit history, and you need a first credit card. Three doors are open: a secured (FD-backed) card in your own name, an add-on (supplementary) card on a family member's account, or a student/first-timer programme from
Credit HealthDo secured cards build your CIBIL score the same way unsecured cards do
It's the question every secured-card holder eventually asks: does the bureau know — or care — that my card is backed by a fixed deposit? The short answer is that it reports like any other credit card, and scoring models
How-To GuidesSecured card mistakes: breaking the FD, breaching the limit, and other traps
The secured card is the most forgiving credit product to *get* and one of the least forgiving to *misuse* — because its entire purpose is building the file, every mistake is recorded on the very file you're constructing.
How-To GuidesChoosing the fixed deposit for your secured card: amount, tenure, and laddering
The deposit is the single decision that shapes your secured card — it sets your limit, determines how much money is locked, and influences how comfortably you can manage utilization. Get the sizing right and the next 18
How-To GuidesGraduating from a secured card to an unsecured one: how issuers upgrade you
The secured card was always a bridge, and bridges are for crossing. After 12–24 months of clean history, the question becomes how to graduate: does the bank automatically convert your card, do you apply fresh for an unse
How-To GuidesThe lien on your fixed deposit: what happens to the money while the card is active
The word "lien" appears in every secured card's terms, and most cardholders nod past it. It deserves a proper explanation, because it governs what you can and cannot do with your own money for as long as the card is acti
How-To GuidesNo CIBIL, no salary slip: who secured credit cards are really for
Every year, lakhs of Indians hit the same wall: no credit card without a credit history, no credit history without a credit card. The secured card is the engineered door through that wall — a product designed for exactly
How-To GuidesFD interest vs card cost: the real maths of holding a secured card
A secured card asks you to lock, say, ₹50,000 in a fixed deposit to get a credit card. The FD earns interest — so is the card "free"? Not quite. The deposit has an opportunity cost, the card has its own (small) costs, an
How-To GuidesSecured credit cards in India: how FD-backed cards actually work
No credit history, no salary slip, no problem — at least, that's the promise of the secured credit card. Backed by a fixed deposit you place with the issuing bank, it gives first-time borrowers a real credit card and a r
How-To GuidesWhen a loan on your card makes sense, and when it is a trap
After nine articles of mechanics — rates, fees, foreclosure maths, bureau reporting — the question that remains is judgment. A loan on your credit card is neither a scam nor a bargain; it's a tool with a specific shape.