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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GuidesYour Oldest Card Is a Score Asset: The Age-of-Credit Math
"I don't use that old card anymore — I'll close it to clean up my credit." It feels tidy. It's also one of the fastest ways to *lower* your own credit score. Bureaus reward credit history the way employers reward experie
GuidesDebit vs Credit on Fraud: Which One Really Protects Your Money
"Debit cards are safer — you can only lose what you have." It sounds like prudence. In fraud scenarios, it's exactly backwards. The safety of a payment instrument isn't about how much you *can* lose in theory — it's abou
GuidesThe ₹12,500 Break-Even: When a Premium Card Pays You Back
"Premium cards are a waste — nobody gets ₹12,500 of value from a credit card." The myth feels true because the fee is visible and the value is scattered across a dozen benefits. But scattered value is still value, and th
GuidesYour Reward Points Are Melting: The Devaluation Math Behind "Free Money"
"Reward points are free money." Nobody says it quite that bluntly, but the behavior is everywhere: points hoarded for years like savings, balances quoted like bank balances, redemption postponed for "the perfect trip." H
GuidesThe ₹1 Lakh Minimum-Due Trap: Compound Interest at 3.5% a Month
"Just pay the minimum due — that's what it's there for." Of all the myths in this series, this is the most expensive one. The minimum due is not a payment plan. It is the slowest legal way to repay a debt, engineered so
GuidesTwo Cards Can Beat One: The Credit Utilization Math Nobody Teaches
"Don't take a second card — more cards means a worse score." It's one of the most repeated lines in Indian personal finance, and it gets the mechanics exactly backwards. Your score doesn't count your cards. It measures,
GuidesOne Application Won't Wreck Your CIBIL: How Hard Inquiries Work
Ask anyone in India about credit scores and you'll hear it: "Don't apply for a card, the enquiry will destroy your CIBIL." People delay applications for months, refuse pre-approved offers, and live in fear of a single ha
GuidesThe ₹2,500 Question: When a Paid Card's Fee Pays for Itself
The advice is everywhere: "Never pay an annual fee. The no-fee card is always the smart choice." It sounds like common sense. It is also wrong often enough that it costs people real money — the myth flips reality upside
GuidesThe BBD Early Access Checklist: Tonight's Final Prep
Early access opens at midnight — roughly ten hours from now. This is the final checklist: everything a cardholder should have done before the window opens, in priority order. No fluff, no rumors — every item here traces
GuidesBBD vs GIF 2026: Where to Buy What, Card by Card
Two sales, two marketplaces, two bank partners — and they open within hours of each other. Flipkart's Big Billion Days gives early access at midnight tonight (October 8) to Plus/VIP members and Flipkart credit card holde
GuidesNo-Cost EMI at Flipkart BBD: What's Actually Free
"No-cost EMI" is the most misunderstood phrase of every festive sale. Flipkart's BBD page promises it twice — on Flipkart EMI and on Flipkart Pay Later — each paired with a flat rupee discount. Here's what "no-cost" genu
GuidesFlipkart Minutes at BBD: Groceries and the Card Angle
Groceries aren't the reason anyone stays up till midnight for Big Billion Days. But Flipkart's own BBD page gives its quick-commerce arm a starring role this year — "get magical deals delivered right to your doorstep wit