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 GuidesBeginner Myths: Students, First Jobs, and Starting Credit Right
Your first credit card sets habits — and a credit history — that follow you for years. Unfortunately, beginners receive the worst advice of all: cautious to the point of harmful, or reckless to the point of expensive. He
Card ReviewsPremium Card Myths: Who Actually Benefits From Metal Cards
Premium credit cards — the metal ones with five-figure annual fees — are marketed as universally aspirational. The marketing is excellent; the universality is a myth. Premium cards are precision tools for specific spendi
How-To GuidesSecurity Myths: Chips, OTPs, and Contactless Safety
Card security advice is a mix of solid RBI-mandated protections and folk wisdom that stopped being true a decade ago. Knowing which is which determines whether your precautions actually protect you — or just make you fee
Credit HealthDebt Myths: Good Debt, Bad Debt, and the EMI Truth
Debt has a moral reputation it doesn't deserve — or rather, it deserves a more precise one. Some debt builds wealth; some debt quietly transfers yours to a lender. The myths below blur that line, and the EMI culture in I
How-To GuidesOwnership Myths: Debit vs Credit, Annual Fees, and Everyday Safety
Once the card is in your wallet, a second wave of myths takes over — about whether debit would have been safer, what annual fees really cost, and how to handle cards you barely use. These myths shape daily habits, so get
How-To GuidesApplication Myths: Multiple Cards, Rejections, and Approval Truths
Applying for a credit card feels like a test with secret marking. Myths fill the vacuum — about how many cards you can hold, what rejections do, and what "pre-approved" really means. Here's how applications actually work
How-To GuidesRewards Myths: Why Points Are Not Free Money
Reward points feel like a game you win just by spending. That feeling is the product of careful marketing. Points have real value — CardBuzz exists partly to help you maximise it — but the myths around them lead people t
How-To GuidesInterest Myths: Minimum Due, Grace Period, and the Revolving Trap
Nothing about credit cards is more misunderstood — or more expensive to misunderstand — than how interest works. The minimum due, the grace period, and the revolving trap form a trio of concepts that issuers explain in f
Credit Health7 Credit Score Myths About Checking, Closing, and Carrying Balances
Your credit score decides the interest rate on your home loan, whether your card application clears, and sometimes even rental and job verifications. With that much at stake, the myths around it are dangerous. Here are t
How-To Guides10 Credit Card Myths Debunked: What Indians Get Wrong in 2026
Credit cards in India are surrounded by folklore. WhatsApp forwards, well-meaning relatives, and even bank salespeople repeat claims that sound authoritative but fall apart under scrutiny. Believing them costs real money
News & DevaluationsThe Next 1000: CardBuzz's Roadmap for the Future of Credit
A thousand articles ago, we started with a simple frustration: credit card information in India was shallow, stale, and written to sell you something. So we built the library we wished existed — deep reviews, honest math
News & DevaluationsWhere the RBI Is Headed: The Future of Card Regulation in India
No industry publication about the future of credit in India can ignore the Reserve Bank of India. The RBI doesn't just regulate credit cards — it actively shapes what products can exist, how they're sold, and what they c