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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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
Deals & OffersBig Billion Days 2026 Prep: How Flipkart's Bank Offers Work
Flipkart's Big Billion Days 2026 is a two-door sale: early access opens at midnight tonight (October 8) for Plus, Black and Flipkart credit-card members, and the main sale opens to everyone on October 9. The bank stack i
Deals & OffersGreat Indian Festival 2026 Prep: How Amazon's Bank Offers Work
The Amazon Great Indian Festival 2026 opens to all customers tomorrow, October 8 — today is prep day. Bank offers are where a good sale price becomes a great checkout price, but they only work if your cards, wishlist and
How-To GuidesPre-Approved Does Not Mean Guaranteed Approval
The myth: "The bank says I'm pre-approved, so the card is basically mine — I just have to say yes."
How-To GuidesClosing Old Credit Cards Can Lower Your Score
The myth: "I don't use that old card anymore. Closing it will clean up my profile and improve my score."
How-To GuidesCashback vs Reward Points: When Cash Wins
The myth: "Cashback cards are for beginners. Serious optimizers use reward points."
How-To GuidesUnlimited Lounge Access Has Limits You Should Know
The myth: "My card says unlimited lounge access, so I can walk into any lounge, anytime, with anyone."
How-To Guides"No Forex Charges" on Your Card? Read the Markup Line
The myth: "My card says no foreign transaction fee / I have a premium card, so international spends cost me nothing extra."
How-To GuidesNo-Cost EMI Isn't Free: The GST and Fees Nobody Shows You
The myth: "No-cost EMI means I pay exactly the product price, just split into parts."