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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GuidesKotak Credit Card Rewards: The Complete Masterclass
Kotak Mahindra Bank's credit-card rewards program is the minimalist of the big-bank programs: Kotak Reward Points earned on spend, redeemed through the bank's rewards portal, with no transfer-partner game and no flagship
GuidesIndusInd Bank Reward Points: The Complete Masterclass
IndusInd Bank runs one of India's quieter rewards programs — no SmartBuy-style portal dominating the conversation, no 22-partner transfer menu making headlines. What it offers instead is a spread of cards from lifetime-f
GuidesCiti ThankYou and Migrated Reward Programs: The Complete Masterclass
Citibank's Indian credit-card rewards program is a case study in what happens to your points when a bank exits a market. Citi sold its Indian consumer banking business to Axis Bank — a deal completed in 2023 — and Citi-b
GuidesAmex Membership Rewards India: The Complete Masterclass
American Express Membership Rewards (MR) is the connoisseur's program in India: fewer cards, stricter acceptance, but two structural advantages no domestic bank program matches — points that never expire, and a 1:1 trans
GuidesICICI Payback and Expressions: The Complete Masterclass
ICICI Bank's credit-card rewards story has a twist most holders don't know: the "Payback" in the title is history. PAYBACK India — the coalition loyalty program ICICI cards once earned into — shut down its Indian operati
GuidesSBI Rewardz: The Complete Masterclass
SBI Card's Rewardz is the rewards program most Indians will actually encounter — SBI Card is the country's largest pure-play credit card issuer, and Rewardz points accrue across its enormous card portfolio, from the ₹499
GuidesAxis EDGE Rewards: The Complete Masterclass
Axis Bank's EDGE Rewards is the most transfer-rich credit-card rewards program in India — 22 airline and hotel partners on the cards CardBuzz tracks, headlined by a 1:2 ratio to Singapore Airlines KrisFlyer that effectiv
GuidesHDFC SmartBuy and Infinia Rewards: The Complete Masterclass
HDFC Bank runs the largest credit-card rewards ecosystem in India, and it all orbits one portal: SmartBuy. If you hold an HDFC card, the difference between a 1.67% return and a 16.67% return is not which card you swipe —
GuidesCredit Card Service SLAs: Turnaround Times Banks Must Meet
"Your request is under process" is the most expensive sentence in Indian banking. Every day of delay on a card closure, a fraud investigation, or a complaint response can cost you interest, fees, or a damaged credit repo
GuidesCredit Limit Reduced or Denied: How Limit Disputes Work
Few things sting like a declined transaction on a card you know has room — or an email informing you that your credit limit has been cut without warning. Credit limits feel personal, but they are governed by a mix of the
GuidesCredit Card Not Delivered? Your Rights and Remedies
You applied, the bank approved, the card was dispatched — and then nothing. The courier never came, the tracking link went stale, or the card arrived damaged. Non-delivery of a credit card is more than an inconvenience:
GuidesStatement Errors on Your Credit Card: How to Dispute Wrong Charges
Most people scan their credit card statement for the total and the due date — and miss the errors hiding in the line items. Double charges, fees you never agreed to, refunds that never landed, and interest computed in wa