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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Credit Health2026 Card Devaluations: What Changed and What to Do Now
2026 was a devaluation year for Indian credit cards. Across issuers, the pattern was consistent: lower caps, more exclusions, higher thresholds, and benefits converted from automatic to spend-linked. The headline reward
Credit HealthClosure Mistakes: Closing Cards and Losing Your Points
Closing a credit card feels like tidying up. Done wrong, it is one of the most quietly destructive moves in personal finance — it can erase years of credit history, spike your utilisation ratio, and vaporise unredeemed r
Credit HealthApplication Mistakes: Wrong Card, Too Many Applications
Applying for a credit card takes five minutes. Applying for the *wrong* card — or the right card the wrong way — costs months of credit-file damage and a rejection that could have been an approval. These are the applicat
Credit HealthTravel Card Mistakes: Forex, Lounges and DCC Traps
Travel is where credit cards earn their keep — and where the mistakes are denominated in foreign currency, which makes them easy to miss. Forex markups, lounge assumptions, and currency-conversion traps quietly add 2–5%
Credit HealthEMI Mistakes That Turn Cheap Purchases Into Debt
EMI feels like a payment plan. On a credit card, "regular EMI" is a loan at one of the highest interest rates in retail credit — and the mistakes around it are some of the most expensive a cardholder can make. All intere
Credit HealthCredit Score Mistakes That Silently Damage Your Score
Credit scores do not fall because of one dramatic event. They erode through quiet, repeated behaviours that feel harmless at the time — and the damage shows up months later, when a loan or a good card gets rejected. Thes
Credit HealthFee Mistakes: Paying Annual Fees You Could Have Waived
Most Indian credit-card fees are optional — but only for cardholders who know the rules. Waiver thresholds are published, retention desks exist, and downgrade paths are standard. The money lost to fee mistakes is lost to
Credit HealthRewards Mistakes: Expired Points and Bad Redemptions
Reward points feel like free money, so most cardholders treat them casually. That casualness is expensive. Points have real rupee value, expiry dates, and redemption tables where the same point can be worth four times as
Credit HealthFirst-Year Credit Card Mistakes Every Beginner Makes
The first credit card is where almost every expensive habit is born. Beginners do not get burned because cards are complicated — they get burned because the first year is when misunderstandings compound into debt. Here a
Credit Health10 Credit Card Mistakes That Cost Real Money (With Math)
Credit card mistakes rarely feel like mistakes in the moment. They feel like convenience, flexibility, or a small delay. The bill arrives later, and by then the interest has done its work. Below are ten of the costliest
ComparisonsBest Zero-Annual-Fee Credit Cards in India 2026: Top 10 Ranked
Zero annual fee, zero waiver to chase, zero fee anxiety — lifetime-free cards are the smartest starting point in Indian credit cards. But "free" doesn't mean "equal": verified effective reward rates in the CardBuzz datab
ComparisonsBest RuPay Select Credit Cards in India Compared 2026
RuPay Select is NPCI's premium card variant — cards issued explicitly as "RuPay Select" carry the top-tier RuPay benefits bundle (lounge access, golf, wellness and concierge perks, varying by issuer — check the issuer's