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 GuidesThe debt-free verdict: your 12-month escape plan
Here is the context for everything below: India's credit card balances reached ₹3.1 lakh crore by March 2026, defaults rose nearly 45% year-on-year to ₹6,742 crore, and revolving card debt costs 36% to 48% a year dependi
Deals & OffersBalance transfer offers in 2026: what's actually available
Balance transfer offers change through the year — issuers revise rates, tenures, and fees with little notice. What follows is a snapshot of the offer structures published by major Indian issuers as reported in 2026: what
How-To GuidesDebt consolidation with cards: the 2026 guide
Debt consolidation means rolling multiple high-cost debts into one lower-cost facility with a single payment. Done with credit cards — via balance transfers — it is the cheapest consolidation route available to most Indi
Credit HealthCredit utilization: the 30% rule and how to game it
Your credit utilisation ratio — the share of your available credit you are actually using — carries roughly 25–30% of your CIBIL score, making it the second-biggest scoring factor after payment history (35%). It is also
Credit Health7 balance transfer mistakes that keep you in debt
A balance transfer is the cheapest refinancing tool an Indian cardholder has — promotional rates run from 0% for 60 days to around 11–16% per annum on long tenures, versus 36–48% for revolving card debt. But the tool is
ComparisonsBalance transfer vs personal loan: the cheaper escape
You have ₹2,00,000 of credit card debt at 42% a year. Two escape routes: move it to another card at a promotional balance transfer rate, or take a personal loan and clear the cards outright. Both beat revolving — but the
How-To GuidesThe debt payoff playbook: avalanche vs snowball in 2026
India's outstanding credit card balances hit ₹3.1 lakh crore by March 2026 — 8.3 times the level a decade earlier — while card defaults climbed nearly 45% year-on-year to ₹6,742 crore. Revolving credit card debt now cost
How-To GuidesBalance transfer fees: the 1-3% that eats your savings
"0% interest" is the hook. The processing fee is the price of the hook. Indian issuers charge 1% to 3% of the transferred amount (sometimes with minimums and caps), and on top of that, 18% GST applies to the fee. Ignore
Buying GuidesThe 7 best cards for balance transfers in October 2026
Not all balance transfer offers are built the same. Some give you a genuine 0% runway, others stretch repayment to two years at loan-like rates, and a few look cheap until you read the fee line. Here are the seven strong
How-To GuidesBalance transfers in 2026: how to move debt and save on interest
Carrying a credit card balance in India today is brutally expensive. Major issuers charge roughly 3% to 3.5% per month on revolving balances — about 36% to 42% a year before GST — and SBI Card's rate on unsecured cards n
GuidesAltura Credit Card vs Swiggy HDFC Bank Credit Card: Which Credit Card Wins in 2026?
Altura Credit Card against Swiggy HDFC Bank Credit Card: fees, reward rates, lounge access and which one suits which spender. Updated 2026
GuidesHDFC Bank Diners Club Privilege Credit Card vs Indianoil HDFC Bank Credit Card: Which Credit Card Wins in 2026?
HDFC Bank Diners Club Privilege Credit Card against Indianoil HDFC Bank Credit Card: fees, reward rates, lounge access and which one suits which spender. U