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 GuidesVirtual cards for online shopping safety: the complete playbook
Online card fraud in India overwhelmingly starts with a compromised card number — a breached merchant, a phishing page, a skimmer on a shady gateway. Virtual cards neutralize the entire category: the number the criminal
How-To GuidesHow to create a virtual credit card: issuer-by-issuer guide (2026)
Creating a virtual credit card takes about two minutes in most Indian banking apps — but the option hides in different menus at every issuer. This guide walks through the general process and where to find it.
How-To GuidesRBI tokenization rules explained: what changed for your card in 2026
Since October 2022, RBI has barred merchants from storing your actual card number. Instead, every saved card becomes a merchant-specific token — a surrogate number useless anywhere else. Four years on, tokenization is in
How-To GuidesVirtual credit cards: what they are and how they work in India
A virtual credit card is a digital-only card number linked to your physical card's account — same credit limit, same billing, same rewards, but a different number you can control, limit, or delete. In India's tokenized p
How-To GuidesClosing an add-on card: process, impact, and timing in 2026
Closing an add-on card is simpler than closing a primary card — but timing matters for fees, rewards, and pending transactions. This guide covers the process across Indian issuers and the mistakes to avoid.
How-To GuidesAdd-on card liability: who actually pays when things go wrong
The primary cardholder is 100% liable for every rupee spent on every add-on card — legally, contractually, and practically. This isn't shared liability or proportional liability. Understanding exactly what that means pro
Card ReviewsCards with the best add-on terms in India (2026)
Not all add-on programs are equal. The best ones combine free add-on cards, per-card sub-limits, shared premium benefits, and milestone counting. This guide explains what "good add-on terms" look like and which card tier
How-To GuidesDo add-on card spends earn rewards? The 2026 rules
Yes — add-on card spending earns rewards at the same rate as the primary card, credited to the primary holder's reward pool. But "same rate" has fine print: category exclusions, caps, and milestone counting all have add-
ComparisonsAdd-on vs separate card: the complete comparison for 2026
Should your family member get an add-on to your card or their own separate card? The answer changes the reward math, the credit-score impact, the liability picture, and the fee load. This is the head-to-head comparison.
How-To GuidesAdd-on cards for parents: what to know before you issue one in 2026
Giving your parents an add-on card is generous — and operationally tricky. Elderly parents have different spending patterns, different fraud vulnerability, and different comfort with digital banking. This guide covers th
How-To GuidesAdd-on cards for your spouse: maximizing household rewards in 2026
For couples, the add-on card is the simplest rewards hack in India: route both partners' spending through one premium card and watch a single reward pool grow twice as fast. But the strategy has traps — reward caps, cate
How-To GuidesSharing your credit limit: how add-on cards split limits in 2026
An add-on card doesn't get its own credit limit — it shares yours. How that sharing works, whether you can cap it, and what happens when someone hits the ceiling are the mechanics most families get wrong. This guide cove