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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Card ReviewsAxis Bank Ace deep dive: the 5% utilities card, re-examined for 2026
The Axis Bank Ace launched as India's simplest cashback card: a flat structure, no points to decode, cashback credited straight to the statement. Several devaluations later, it is a narrower product than it used to be —
How-To GuidesUtility spend caps and exclusions: where your cashback silently stops
The headline rate on a credit card is a promise; the cap and the exclusions list are the reality. For utility bill payments specifically, three mechanisms quietly reduce what you earn: monthly caps on bonus categories, c
How-To GuidesCRED, Cheq, and bill-payment apps: how to stack rewards on every bill
You earn rewards twice on a bill when you get it right: once from the credit card you pay with, and once from the app you pay through. CRED and CheQ are the two apps Indian cardholders use most for this stacking game. He
How-To GuidesPaying school and college fees with credit cards: the complete guide
School and college fees are among the largest single payments a household makes each year — often ₹50,000 to several lakhs per term. Put on a credit card, that is either a serious rewards haul or a serious fee bill. Whic
How-To GuidesPaying rent with credit cards in 2026: platforms, fees, and reward math
Paying rent by credit card in India has gone from a rewards hack to an obstacle course. Banks have spent the last two years stripping rewards off rent transactions and adding fees on top, and a September 2025 RBI payment
How-To GuidesPaying electricity and water bills with credit cards: rewards, fees, and caps
Electricity and water bills are the two most universal household payments in India, and both can be paid by credit card through your bank's app, the biller's website, or aggregator apps like Google Pay, PhonePe, Paytm an
Buying GuidesThe 10 best credit cards for utility bill payments in India in October 2026
Utility bills — electricity, water, gas, broadband, DTH, mobile recharges — are the one expense almost every household pays monthly, yet most credit cards treat them as an afterthought. The few cards that do reward utili
Buying GuidesThe foodie's wallet: one card for groceries, one for dining, one for delivery
If food — groceries, restaurants, delivery — is your biggest budget line, you don't need fifteen cards. You need three, each doing exactly one job: the grocery card, the dining card, and the delivery card. Here's the opt
News & DevaluationsQuick commerce cards 2026: Zepto, Blinkit, and the 10-minute delivery rewards race
Quick commerce has quietly become a top-3 grocery channel for urban India — and card issuers have noticed. In 2026, Blinkit and Instamart spends got pulled into co-brand accelerated tiers, Zepto became the notable holdou
How-To GuidesDining milestones and quarterly benefits: the cards that pay you to eat out
Beyond per-transaction rewards, several Indian credit cards pay you lump sums for *hitting spend targets* — milestone bonuses, quarterly vouchers, and annual fee waivers that turn routine dining spend into outsized retur
How-To GuidesGrocery reward caps: the monthly limits that quietly eat your cashback
Every grocery credit card advertises a glittering reward rate — 10%, 5%, "up to" this and that. Almost none advertises the number that actually determines your return: the monthly cap. A 10% card with a ₹1,000 monthly ca
ComparisonsSwiggy and Zomato credit cards in 2026: the food-delivery card showdown
India's two food-delivery giants each have their own credit card stable now. On the Swiggy side: the original Swiggy HDFC Bank Card plus the March-2026 launches BLCK and Ornge. On the Zomato side: RBL Bank Zomato Edition