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.
6094 posts · Page 325 of 508 · View the full archive
How-To GuidesThe cooling-off window: cancelling an EMI booking without paying charges
You converted a ₹60,000 purchase into EMI in a hurry at the store, got home, ran the numbers, and realized the 12-month tenure was a mistake — you could have paid in full, or taken 6 months. Most issuers give you a short
How-To GuidesCard loan eligibility: why the offers are pre-approved and who gets them
Nobody applies for a loan-on-card offer out of nowhere — it arrives pre-approved in your app, with an amount and a rate already filled in. That isn't marketing theatre. It's underwriting done in the background, continuou
Credit HealthWhat a loan on your card does to your credit limit and CIBIL report
You take a ₹3,00,000 loan on a card with a ₹5,00,000 limit. Your app now shows ₹2,00,000 available. Your next CIBIL report shows a new tradeline, higher utilization, and — if you slip even once — a delinquency that hits
How-To GuidesJumbo loans: borrowing over and above your credit limit
Your card has a ₹4,00,000 limit and the bank offers you a ₹6,00,000 loan on it. That isn't a typo — it's a jumbo loan, the over-the-limit variant of loan-on-card, where the bank lends you more than your card's credit lim
How-To GuidesProcessing fees and GST on card loans: the true cost beyond the interest rate
The app says 13% per annum. You accept the loan-on-card offer, and the first statement shows a processing fee, GST on the fee, GST on the interest, and suddenly the "13%" cost you quite a bit more than 13%. The interest
How-To GuidesForeclosing a loan-on-card early: the foreclosure-charge maths
Your annual bonus just landed, and the loan-on-card you took nine months ago still has fifteen EMIs to run. Repaying early feels obviously smart — less interest, debt gone, limit freed. Usually it is. But "usually" hides
How-To GuidesConverting a big purchase into EMI after the swipe: the post-transaction route
You bought a ₹84,000 television on full swipe because the no-cost EMI option at checkout looked confusing, and now the statement is looming. Most Indian issuers let you convert an already-posted purchase into EMI through
How-To GuidesLoan on card vs personal loan vs EMI conversion: picking the cheapest credit
You need ₹2,00,000 for twelve months. Three doors are open: the loan-on-card offer flashing in your banking app, a personal loan from the same bank, or putting the spend on the card and converting it to EMI. All three ar
How-To GuidesLoan on your credit card: how instant loan-on-card offers actually work
Open your bank's app and you may see an offer you never applied for: a ready-to-disburse loan sitting on your credit card, money in your account within minutes, no documents, no branch visit. It looks like free money. It
Credit HealthWhen a bureau error costs you an approval: the correction playbook
The rejection letter says "credit history not satisfactory". Your CIBIL file is clean — but the lender pulled Experian, where a closed personal loan still shows as active with a ₹2,00,000 balance, torpedoing your debt-to
Credit HealthA quarterly bureau routine that costs nothing: monitoring all four reports
Credit monitoring in India has a pricing problem: the paid services charge for what the RBI already gives you free. You're entitled to one free full credit report per calendar year from each of the four bureaus — four re
Credit HealthEnquiries, DPD, and settled: decoding the codes printed on your credit report
Your free full credit report arrives — twenty pages of tradelines, codes, and abbreviations that might as well be a foreign language. "DPD 030", "STD", "SET", "WOF", "hard enquiry", "suit-filed". Every code is a precise