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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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
How-To GuidesEMI Purchases and Price Drops: What Happens When the Sale Price Falls After You Buy
Buy a phone on no-cost EMI during the festive sale; two months later it is ₹5,000 cheaper. You are still paying the old price in instalments. EMI locks the price at the moment of purchase — but it does not lock you out o
How-To GuidesFiling a Price Protection Claim: The Paperwork That Gets Approved
Knowing your card has price protection is only half the battle. Claims are adjudicated by insurance partners working from checklists, and most rejections trace to paperwork — not to the claim being invalid. Here is how t
Buying GuidesPost-Diwali Price Drops: How Credit Card Price Protection Actually Works
Every festive season in India follows the same rhythm: Diwali sales slash prices, shoppers rush in, and then — sometimes within weeks — the same product gets cheaper again. If you bought that TV or refrigerator with a cr
Credit HealthBuilding Credit From Zero: Secured Cards and Other Starter Paths
Everyone with a 800+ score started at zero — no history, no track record, and banks reluctant to be the first to lend. Building credit from scratch is a solved problem with a clear sequence. This guide lays out the start
Credit HealthDisputing Errors on Your Credit Report: The Step-by-Step Process
Credit reports contain errors more often than the system admits — wrong late flags, accounts that are not yours, limits that do not match. Every error potentially costs you score points and loan approvals. The dispute pr
Credit HealthReading Your CIBIL Report: A Section-by-Section Walkthrough
Your CIBIL report — the Credit Information Report, or CIR — is the document behind your score. Lenders read it line by line on big applications, and you should too, at least once a year. This guide walks through each sec