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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News & DevaluationsPay-later apps in 2026: LazyPay, Simpl, and the credit lines behind them
India's pay-later apps once looked like the future of checkout — one tap, no card, pay in 15 days. In 2026, the sector looks very different: one major player was ordered by the RBI to halt operations, the survivors run o
ComparisonsMerchant EMI vs card EMI: who offers the better terms in 2026
At checkout you get one offer; a week later, your bank app offers another. "Merchant EMI" and "card EMI" (post-purchase conversion) are the same loan wearing different clothes — but the interest rate, fees, flexibility,
Credit HealthHow EMIs affect your CIBIL score: utilization, history, and the myths
"Will taking an EMI hurt my CIBIL score?" is one of the most-searched credit questions in India — and the answer is more nuanced than the yes/no the internet usually gives. An EMI can build your score, damage it, or do n
How-To GuidesPre-closing an EMI: foreclosure charges, interest math, and the smart move
You took a 12-month EMI, and six months in, a bonus lands. Should you kill the EMI early? The answer depends on three numbers most borrowers never compute: the foreclosure charge, the interest you've already paid versus
Credit HealthThe 7 EMI traps that cost Indians crores every year
Individually, each EMI trap below looks like a rounding error — a few hundred rupees here, a missed discount there. In aggregate, across tens of millions of EMI conversions a year, they add up to crores siphoned from bor
Buying GuidesThe 8 best credit cards for EMI in India in October 2026
Not all credit cards are equal when it comes to EMI. The difference between a good and bad EMI card isn't the headline reward rate — it's the EMI interest rate your bank actually offers you, the processing fee, the minim
ComparisonsBNPL vs credit card EMI: fees, credit impact, and the better deal
Buy-now-pay-later and credit card EMI look like siblings — split a purchase into pieces, pay over time — but they are different financial products with different fees, different regulatory wrappers, and very different co
How-To GuidesNo-cost EMI decoded: the discount, the GST, and the real price you pay
"No-cost EMI" is the most successful three-word marketing phrase in Indian e-commerce. It sounds like a free loan: pay the sticker price in monthly chunks, zero interest. The reality is more interesting. The loan does ca
How-To GuidesCredit card EMI in 2026: how it works, what it costs, when it's worth it
Every big-ticket purchase in India eventually collides with the same checkout question: "Convert to EMI?" A ₹60,000 phone at ₹10,000 a month for six months feels painless. But credit card EMI is a loan with its own inter
Buying GuidesThe bill-payer's wallet: the 3-card setup for every recurring payment
You don't need seven credit cards to master bill payments. You need three, each with a defined job, plus the discipline to route every recurring payment to the right one. This is the setup that captures nearly all the av
How-To GuidesBBPS and credit cards: how Bharat BillPay changes the rewards game
Bharat Bill Payment System — BBPS, operated by NPCI Bharat BillPay Ltd. (NBBL) — is the interoperable rail underneath most Indian bill payments: electricity, gas, water, telecom, DTH, education fees, municipal taxes, FAS
ComparisonsPaying bills by credit card vs UPI: rewards, convenience, and credit float compared
Every bill you pay forces the same choice: credit card or UPI. UPI is free, instant and universal. Credit cards cost the issuer money and pay you back for the trouble. The right answer depends on the bill, the fee undern