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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GuidesElectronics on Sale Eve: Final Card, EMI and Exchange Decisions
Electronics is where the festive sales are won or lost. Phones, laptops, TVs and appliances are the big carts — and big carts are where bank-discount caps, EMI fine print and exchange valuations turn a great deal into an
GuidesHow to Track Real Price Drops Before the Festive Sales Open
Every October, the same theatre plays out. A product you watched all September suddenly shows "60% OFF" on October 9 — because its price was quietly raised on October 2. The discount percentage is a marketing input; the
GuidesBank Offers Tonight: SBI, Axis and ICICI Terms Before the Sales
Bank offers are the difference between a sale and a good sale. The advertised "up to 50% off" is the platform's margin; the 10% instant discount is the bank's, and it is the one you can count on — but only if your card i
GuidesThe 2026 Sale Days Card Playbook: One Strategy for GIF and BBD
Tonight is the last quiet evening before the two biggest shopping weeks of the Indian retail calendar collide. Amazon's Great Indian Festival opens to everyone on October 8, 2026, and Flipkart's Big Billion Days follows
GuidesThe Annual Fee Audit: How to Find Every Charge You Paid This Year
Once a year, download twelve statements per card and add up every rupee that was not a purchase: interest, late fees, forex markups, cash-advance fees, annual fees, GST on all of it. Most cardholders who do this for the
GuidesBalance Transfer Math: When Moving Credit Card Debt Pays Off
A balance transfer (BT) moves outstanding debt from one credit card to another — usually at a promotional interest rate far below the standard 3.5–3.75% per month. Done right, it cuts your interest bill by two-thirds. Do
GuidesNo-Cost EMI Fine Print: What RBI Says Must Be Disclosed
"No-cost EMI" is the most successful pricing illusion in Indian retail. The monthly instalment genuinely has no interest line item — but RBI itself has warned that EMI conversions with an interest component "shall not be
GuidesForeign Transaction Markup in India: Decoding the 3.5% Plus GST
Every dollar, dirham, or euro you charge to an Indian credit card carries a foreign-currency markup — the issuer's cut on top of the exchange rate. The headline figure is "3.5%", but the all-in cost is higher, and the sp
GuidesOverlimit Charges: RBI's Consent Rule and the Fee Behind It
Spend past your credit limit and one of two things happens: the transaction is declined, or it goes through and an overlimit fee appears on your statement. In India, which of those happens is no longer the bank's choice
GuidesLate Payment Fees in India: Slab-by-Slab Costs and How to Dodge Them
Miss the minimum due by a day and two things happen at once: a late payment fee lands on your statement, and interest starts accruing on the entire outstanding — including the portion you would have paid. The fee is visi
GuidesCash Advances: The Costliest Transaction on Your Credit Card
Of everything you can do with a credit card, withdrawing cash from an ATM is the most expensive — by a wide margin. It combines three costs at once: an upfront fee, interest from day one with no grace period, and (usuall
GuidesThe Interest-Free Period Playbook: How to Never Pay Card Interest
The single most valuable feature of a credit card in India is not the rewards — it is the interest-free period, roughly 20 to 50 days of free credit on every purchase. Used correctly, you never pay a rupee of interest. M