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 HealthYour Oldest Credit Card: Average Account Age and Why Closing It Hurts
When people clean up their wallets, the oldest card is usually the first to go. It has a low limit, outdated rewards, maybe a fee that no longer feels justified. It feels like tidiness. On your credit report, it can look
Credit HealthHard Inquiries: How Many Card Applications Are Too Many
Every time you apply for a credit card or loan, the lender pulls your full credit report to judge your application. That pull is a hard inquiry — and it is one of the most misunderstood items on your credit file. It can
Credit HealthCredit Utilisation: The 30% Rule, Per-Card Math, and Payment Timing
After payment history, credit utilisation is the second-heaviest input into your CIBIL score — commonly cited at around 30% of the model. It is also the factor you can fix fastest. But most cardholders misunderstand how
Credit HealthHow Your CIBIL Score Is Calculated: The 5 Factors and Their Weights
Your CIBIL score is a three-digit number between 300 and 900 that summarises your credit behaviour for lenders. A score above 750 is generally considered good. But knowing the number is not the same as understanding it —
Deals & OffersPost-Sale Reality: Returns, Credit Card Refunds and Price Protection
The sale doesn't end at checkout — it ends when the product is in your hands, working, at a price you'd still pay. Post-sale is where festive excitement meets the fine print: return windows, refund timelines, reversed re
Deals & OffersSale-Season Scams: Fake Discounts, Inflated MRPs and Phishing Links
Festive sales concentrate India's online shoppers into a few frantic days — and scammers know it. Sale season brings three distinct fraud families: fake discounts that manipulate you into buying, inflated MRPs that manip
Deals & OffersThe Truth About No-Cost EMI During Sales: Baked-In Costs
"No-cost EMI" is the most successful piece of financial marketing in Indian e-commerce. It is not a lie — the interest really is funded for you — but "no cost" describes the interest line, not your total outflow. Between
Deals & OffersWhich Bank Cards to Keep Ready for the 2026 Festive Sale Season
Two sales, two different bank line-ups: SBI on Amazon, Axis and ICICI on Flipkart. The right "sale wallet" isn't the fanciest card you own — it's one eligible card per platform plus a cashback card for everything else. H
Deals & OffersExchange Offers During Sales: What Kills Your Old Phone's Value
Exchange offers are the quiet giant of festive sales — on a phone purchase, the trade-in value of your old device can dwarf the bank discount. Both Amazon and Flipkart are running exchange offers during this year's sales
Deals & OffersNo-Cost EMI During Festive Sales: Processing Fees and GST Math
No-cost EMI is the festive season's favourite payment mode — and its most misunderstood. During the Great Indian Festival and Big Billion Days, the question isn't "is EMI available" (it will be, across HDFC, ICICI, SBI,
Deals & OffersPrice Tracking Before Festive Sales: Know If a Deal Is Real
"Was ₹79,999, now ₹59,999!" A 25% discount — or a number that was ₹61,999 all of September with the MRP doing the heavy lifting? The single most valuable sale skill isn't card choice; it's knowing the real pre-sale price
Deals & OffersSale Discount Stacking: Bank Offer, Exchange, EMI and Coupons
The biggest festive-sale savings don't come from any single offer — they come from stacking: sale price, coupon, bank instant discount, exchange value and the right payment mode, all on the same purchase. But stacks have