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.
6616 posts · Page 461 of 552 · View the full archive
News & DevaluationsWhere Credit Card Rewards in India Are Heading in 2026
Nobody can tell you what your card's earn rate will be next year — not the banks, not the forums, and certainly not a blog. What we *can* do is read the direction of travel. CardBuzz's Devaluation Watch has logged a dens
News & DevaluationsTransfer-Ratio Nerfs: Where Devaluations Hide in Plain Sight
When a bank wants to cut the value of its rewards without touching the number on the marketing page, it doesn't cut the earn rate — it cuts what the points buy. The card still earns "12 points per ₹200" or "5 miles per ₹
News & DevaluationsPoints Expiry: The Silent Devaluation Nobody Tracks
Every devaluation in CardBuzz's changelog has an effective date, a before-and-after, and someone to blame. Points expiry has none of those — and that is what makes it the most dangerous value leak in Indian credit cards.
News & DevaluationsThe Devaluation Defense Playbook: Burn, Transfer, Diversify
Every devaluation story has two kinds of cardholders: those who read the announcement and moved, and those who read it and waited. The first group transferred Magnus points at 5:4 before September 2023, redeemed YES POP
News & DevaluationsHow to Read an MITC Update and Spot a Devaluation Early
MITC — Most Important Terms and Conditions — is the document your issuer is required to share and keep updated. Every devaluation you have ever suffered was, technically, communicated to you in advance: in a revised MITC
News & DevaluationsHDFC Bank Credit Card Devaluations: A Pattern Analysis
HDFC Bank is India's largest credit card issuer, and its devaluations have a distinctive style. Where Axis announces sweeping ratio changes and SBI tightens caps, HDFC prefers the quiet, technical cut: the earning *unit*
News & DevaluationsSBI Card Devaluations Over the Years: The Pattern
Every Indian issuer has a devaluation fingerprint. Axis goes for the headline — ratios, milestones, fees. HDFC rewrites the earning unit and prunes categories. SBI Card's signature move is subtler: it leaves the headline
News & DevaluationsAxis Atlas: From Launch Darling to Serial Devaluation
When Axis Bank launched the Atlas credit card, it was built around a simple, seductive idea: a card that behaves like an airline loyalty programme. Cardholders earned EDGE Miles, climbed tiers — Silver on joining, Gold a
News & DevaluationsThe Axis Magnus Devaluation Story: Three Years of Cuts
No Indian credit card is more associated with the word devaluation than the Axis Magnus. For a stretch in 2022 and 2023 it was the enthusiast community's default answer to "which premium card should I get": a metal card
News & DevaluationsHow to Track Credit Card Devaluations in India
When a bank cuts your card's reward rate, adds a monthly cap, or quietly drops a category from earning, it does not send you a push notification titled "your card just got worse." The change lands inside a revised MITC d
How-To GuidesEMI Calculator Guide: What to Input, What to Ignore
EMI calculators are only as honest as their inputs. Most people enter the price and tenure, glance at the monthly number, and miss the three inputs that actually determine cost. Here's how to use any EMI calculator prope
How-To GuidesEMI Traps: Zero Down Payment, Subvention, and Easy EMI Marketing
EMI marketing is engineered to make borrowing feel like discounting. This article catalogs the standard traps — the mechanics behind each, what they cost in ₹ terms, and the one question that defuses each one.