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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How-To GuidesSetting Up Bill Autopay in India: eNACH, Card Standing Instructions, and UPI Autopay
India has three distinct autopay rails — eNACH, card standing instructions, and UPI Autopay — and they are not interchangeable. Each has different setup flows, limits, failure modes, and rewards implications. Choosing th
How-To GuidesBuilding a Medical-Expense Buffer: A Sinking Fund That Works with Autopay
Emergencies are unpredictable; medical expenses are not entirely so. Every household has a predictable layer of health spending — annual checkups, recurring prescriptions, dental work, the insurance premium — and a volat
Credit HealthWhen Not to Put a Medical Bill on Credit: Avoiding the Debt Trap
Credit cards are excellent tools for medical payments — until they are not. The line between "smart use of the interest-free period" and "medical debt compounding at card rates" is crossed with a single missed full payme
How-To GuidesMedical Bills and Reward Exclusions: What Earns Points and What Does Not
Medical spending feels like it should earn rewards like any other spending. Mostly it does — but the exclusions are specific, poorly documented, and easy to trip over. Here is the map of what earns and what does not when
How-To GuidesPaying a Family Member's Medical Bill: Card Mechanics and What to Keep
When a parent or spouse is hospitalised, the payment usually falls on whoever is present and has a working card — regardless of whose name is on the medical file. Paying a family member's medical bill with your card is s
How-To GuidesHospital Pre-Authorisation Holds on Your Card: How They Work
At hospital admission, the billing desk swipes your card for an amount — sometimes ₹50,000, sometimes several lakhs — but no charge appears on your statement. That is a pre-authorisation hold: the hospital reserving part
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