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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GuidesMonthly Rate vs APR vs Annualised: The Credit Card Conversion Guide
Open any Indian credit card's fee schedule and you will see the interest stated as "3.75% per month (45% per annum)" — or sometimes "3.75% per month or 55.55% annualized" (that is the exact wording on CardBuzz's Axis Ban
GuidesDaily Balance Method: How Indian Credit Card Interest Is Computed
Most cardholders think interest works like a loan: borrow ₹50,000, pay 3.5% a month, done. Credit card interest in India works nothing like that. It is computed on daily balances, charged in monthly rests, and — the part
Guides900 Articles Published: The 30 Most Useful CardBuzz Guides Ever
This is our 900th article. Nine hundred guides, explainers, comparisons, and teardowns — every one of them written to answer a real question an Indian cardholder actually asked. To mark the milestone, we've done somethin
GuidesThe Portfolio Audit: A 10-Question Card Health Check
You don't need a financial advisor to tell you whether your credit card setup is healthy. You need ten questions, honest numbers, and thirty minutes. This is the portfolio audit: a diagnostic you can run any time — annua
GuidesThe Fee Calendar: Never Pay a Card Fee by Surprise
Every year, millions of cardholders get charged an annual fee they forgot was coming, on a card they barely used, for benefits they never touched. The fee calendar is a simple system — one document, four checkpoints a ye
GuidesThe Spend-Shift Framework: Moving Spends to the Right Card
Most cardholders choose their cards carefully and then route their spending carelessly — the right cards, the wrong swipes. The spend-shift framework is the ongoing practice of moving each rupee to the card that earns th
GuidesThe Annual Card Review: Auditing Your Cards Every Year
Cards devalue. Spend patterns change. Fees that made sense last year quietly stop making sense this year. The annual card review is a once-a-year, 60-minute audit that catches all of it — the single highest-ROI hour in p
GuidesThe Credit Card Ladder: From First Card to Premium
Nobody should start with a premium card, and nobody with a ₹10-lakh annual spend should stay on a beginner card forever. The credit card ladder is the progression path between those two points: a sequence of rungs where
GuidesThe Three-Card Framework: The Sweet-Spot Portfolio
Three cards is where deliberate portfolio design peaks for most Indian cardholders. Enough slots to cover every major spend category at a strong rate, few enough that one person can operate the whole thing without softwa
GuidesThe Two-Card Framework: Coverage Without Complexity
Two cards is the portfolio size where strategy starts to pay but complexity stays manageable. One card for the bulk of your life, one card for the category or situation where the first card is weak. This framework shows
GuidesThe One-Card Framework: Maximizing a Single Credit Card
One card. Every rupee of spend. Zero juggling. The one-card framework is the simplest credit card strategy that exists — and for a large share of cardholders, it's also the optimal one. This guide lays out when one card
GuidesYour First Year With a Credit Card: A Month-by-Month Framework
The first year with a credit card decides whether it becomes a wealth-building tool or an expensive liability. Most first-time cardholders learn by trial and error — usually the error part. This framework gives you a mon