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 GuidesZero Liability on Card Fraud: When the Bank Must Refund You
"Zero liability" is the most misunderstood phrase in Indian card security. It does not mean the bank refunds every fraud, no questions asked. It means something more precise — and more useful: under RBI's rules, in defin
How-To GuidesWhen Fraud Hits Your Card: Dispute Rights and Timelines
You spot a transaction you did not make. Your stomach drops. What you do in the next few hours — and the weeks after — determines how quickly you get your money back and how much of the loss you bear. This is the practic
How-To GuidesOTP Safety: The One Rule That Stops Most Card Fraud
Almost every card scam in India ends at the same place: a six-digit code on your phone. The fraudster may have your card number, your name, even your address — but for a domestic online transaction, they still need the O
How-To GuidesCard Skimming and Cloning: ATM and POS Safety Guide
Card skimming is the most physical form of card fraud: instead of tricking you over the phone, criminals tamper with the machine you swipe or insert your card into. Understanding what skimming looks like — and how India'
How-To GuidesPhishing and Vishing: How Card Scams Target Indians
Of all the ways card fraud reaches Indians, the phone in your pocket is the most common entry point. Phishing (fake messages) and vishing (fraudulent calls) do not break any technology — they bypass it by persuading you
How-To GuidesCredit Card Fraud in India: Common Types and How They Work
Credit card fraud in India rarely looks like a masked thief with your wallet. It looks like a polite phone call, a familiar-looking text message, or a transaction you never made appearing in your statement. Understanding
News & DevaluationsYour Rights as a Credit Card Customer: The Complete Guide
India's credit-card regulations are spread across several RBI frameworks, and most cardholders only discover them when something goes wrong. This guide pulls the complete consumer-protection picture together — the five f
News & DevaluationsCredit Card Deactivation and Closure Rules: Your Rights
Closing a credit card should be as easy as opening one. In practice, closure requests have historically disappeared into bank bureaucracies while annual fees kept getting billed. The Reserve Bank's 2022 Master Direction
News & DevaluationsKYC Rules for Credit Cards: What's Required and Why
Every credit card application asks for identity and address proof, and existing cardholders periodically get "update your KYC" nudges — sometimes with a warning that the account could be frozen. This isn't your bank bein
News & DevaluationsHow to Complain About Your Bank: The RBI Ombudsman Process
Wrongful charges, a closure request the bank ignores for months, recovery agents who won't stop calling — when your issuer won't fix a problem, you're not stuck with its customer care. The Reserve Bank runs a structured,
News & DevaluationsCredit Card Interest and Fee Rules: What RBI Says Banks Can Charge
Credit card interest in India — often 36% to 48% annualised — is among the most expensive borrowing you'll ever encounter. The Reserve Bank doesn't cap these rates outright, but its 2022 Master Direction on card issuance
News & DevaluationsRuPay Credit Cards on UPI: The Regulatory Story
For years, UPI was a debit-only world: you linked your savings or current account through a debit card and paid from your own money. In 2022, the Reserve Bank opened the door to credit on UPI — starting with RuPay credit