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 327 of 508 · View the full archive
How-To GuidesSaved cards, subscriptions and autopay mandates after a death: the digital cleanup
In an earlier era, a deceased person's credit cards were physical objects in a wallet, and closing them ended the story. Today the story continues online: the card number lives on in merchant vaults, subscription billing
How-To GuidesSupplementary cards after the primary holder's death: what happens to family members' cards
Supplementary cards are everywhere in Indian families — a spouse's add-on card on the husband's account, a child's card piggybacking on a parent's limit, an elderly parent's card tied to a working child's account. When t
How-To GuidesWho pays the credit card bill after the cardholder dies
One of the most anxious questions families face after a death is also one of the most misunderstood: is someone in the family now personally liable for the deceased's credit card bill? The short answer is no — unless you
How-To GuidesNominees on credit card accounts: what the nomination actually does
Many Indian credit cardholders have at some point filled in a "nominee" field during onboarding or in the bank's app, often without reading the fine print. After a death, families frequently arrive at the bank believing
How-To GuidesClosing a deceased family member's credit cards: the process, step by step
When a family member dies, closing their credit cards is one of those quiet administrative tasks that can easily get lost between the rituals, the mourning, and the paperwork that feels more urgent. But leaving a card ac
How-To GuidesDesigning your card stack around MCCs
Most people choose credit cards by headline features — the joining bonus, the advertised reward rate, the lounge access. But cards don't earn rewards on headlines; they earn on MCCs. Designing your card stack around merc
How-To GuidesMCCs and milestone spending: what counts toward fee-waiver and bonus thresholds
Many Indian credit cards dangle milestone-linked benefits: spend a threshold amount in a year and the annual fee is waived, or bonus points unlock, or a voucher gets issued. What cardholders often discover too late is th
How-To GuidesWhen the MCC on your statement looks wrong: what you can do
Sometimes the MCC attached to a transaction is just wrong — a restaurant coded as a grocery store, a hotel coded as a travel agency, a retail purchase carrying a quasi-cash code. Miscoding happens more often than most ca
How-To GuidesTravel MCCs: airlines, hotels and booking portals
Travel is the category where MCC awareness pays the most per transaction, because travel bookings are large and cards often attach their richest bonuses to travel MCCs. It's also the category where the booking channel ch
How-To GuidesGrocery MCCs: supermarkets vs kirana stores
Grocery is most Indian households' largest card-spend category, and it's where MCC differences quietly create the biggest rewards gaps. The same monthly grocery budget can earn meaningfully different rewards depending on
How-To GuidesFuel MCCs: why petrol-pump rewards behave differently
Fuel is the oddest category in the Indian credit-card rewards landscape. It has its own MCCs, its own surcharge mechanics, its own waiver logic, and its own reward exclusions — a parallel system sitting inside your card'
How-To GuidesWallet loads, rent and utilities: the MCC traps to know about
Three of the most common Indian household payments — loading a mobile wallet, paying rent, and paying utility bills — sit in MCC territory that behaves very differently from ordinary retail spending. They are the classic