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 HealthKeeping an Emergency Credit Line: Why a Low-Utilisation Card Matters in a Crisis
Financial planners preach the emergency fund — six months of expenses in liquid savings. Fewer preach its credit-card counterpart: a card kept at near-zero utilisation, reserved for genuine emergencies. In a medical cris
How-To GuidesPharmacy and Diagnostic Bills: A Rewards Strategy for Small Medical Spends
Hospital bills get the attention, but the steady drip of pharmacy and diagnostic spending — ₹500 here, ₹2,000 there, every month for a chronic condition — adds up to a significant annual total. Small medical spends have
Buying GuidesHealth Insurance Premiums on Credit Cards: Earning Rewards on the Annual Bill
The annual health insurance premium is one of the largest single payments most households make — often ₹25,000 to ₹1,00,000 for family floaters. It arrives once a year, it is predictable, and it is payable by card. That
ComparisonsHospital Zero-Cost EMI vs Card EMI: Comparing the Two for Medical Bills
Large hospitals increasingly offer "zero-cost EMI" on medical bills at the billing counter, while your card issuer offers its own EMI conversion in the app. Both split the bill into instalments. They differ in cost struc
How-To GuidesPaying Hospital Bills with a Credit Card: An Emergency-Room Playbook
Medical emergencies do not wait for salary day. When a hospital admission lands at 2 AM, the payment question is immediate and stressful: how do you pay a bill you did not plan for? A credit card, used with a clear head,
How-To GuidesPrice Protection Exclusions: The Fine Print That Voids Most Claims
Price protection claims fail more often on exclusions than on anything else. The benefit looks generous in the marketing summary and narrow in the actual policy wording. Reading the exclusion list before you buy — not af
ComparisonsFestive Sale Math: Instant Discount vs Cashback vs Post-Purchase Protection
Festive sale pages throw three different kinds of savings at you — instant discounts, cashback credited later, and the quiet possibility of post-purchase price protection. They look interchangeable. They are not. Each ha
How-To GuidesRefund Reversals: How Credit Card Refunds Actually Post to Your Account
You return a product; the merchant says "refund initiated." Then nothing appears for days, your statement shows the original charge, and the EMI you converted keeps billing. Refund reversals on credit cards follow a spec
How-To GuidesThe Invoice Rule: The One Document Every Post-Purchase Claim Needs
Price protection, extended warranty, purchase protection, chargebacks — every post-purchase claim in the credit card universe asks for the same first document: the invoice. Lose it, and even a watertight claim becomes a
How-To GuidesChargeback Basics in India: The Dispute Window and How to Use It
A chargeback is the nuclear option of card payments: your issuer forcibly reverses a transaction, pulling the money back from the merchant's bank. It exists for situations where the merchant will not make things right —
How-To GuidesPurchase Protection on Credit Cards: Theft and Damage Cover, Explained
Your new phone is stolen two weeks after you bought it. Your card statement shows the charge — and, if your card carries purchase protection, that statement is also the start of an insurance claim. This benefit is one of
ComparisonsExtended Warranty vs Price Protection: Two Safety Nets Every Cardholder Should Know
Credit card benefit guides bundle several protections with similar names, and cardholders routinely confuse them — filing price-protection claims for broken appliances and warranty claims for price drops. Both get reject