C
CardIQ
Intelligence
Find My Card
Zero affiliate bias

The honest credit card intelligence India needed.

Real annual value. Live devaluation tracking. Points redemption optimization. Built by people who refuse to be paid by banks to rank cards.

Find my perfect cardOptimize my points
93+
Cards tracked
17
Banks covered
Weekly
Data refresh
Axis
PRIVATE
•••• •••• •••• UNDY
CARDIQ MEMBER
Magnus for Burgundy
Devaluation Watch
01 MayHDFC Regalia Gold·Reward rate cut from 4 pts/₹150 to 5 pts/₹200 (-6%)
01 MayHDFC Regalia Gold·Lounge access now requires ₹60K/quarter spend high
01 AprSBI Cashback Credit Card·₹2,000/month cap on online cashback added high
01 SeptAxis Magnus for Burgundy·Capped milestone benefits introduced high
01 MayHDFC Regalia Gold·Reward rate cut from 4 pts/₹150 to 5 pts/₹200 (-6%)
01 MayHDFC Regalia Gold·Lounge access now requires ₹60K/quarter spend high
01 AprSBI Cashback Credit Card·₹2,000/month cap on online cashback added high
01 SeptAxis Magnus for Burgundy·Capped milestone benefits introduced high
— What no one else does

Six features that cannot be matched by sites paid to sell you cards.

Real annual value

Not headline reward rates. Our engine factors in monthly caps, fee waivers, milestone bonuses, and redemption haircuts to give you the actual rupee value per year for your spend.

Calculate mine →

Devaluation tracker

Every major Indian credit card was devalued in 2025-26. We track every MITC update, lounge cap, and reward rate cut — so you know when "your card" stops being worth holding.

See devaluations →

Points optimization

Enter your card and points balance. We rank every redemption path — SmartBuy, Marriott Bonvoy, KrisFlyer transfers, statement credit — by INR value, with AI-generated sweet-spot advice.

Optimize points →

Multi-card stack

Most users hold 2-4 cards. No site recommends combinations. We do. Example: Amazon Pay ICICI (online) + HDFC MMT (travel) + Axis Atlas (premium) — covers 95% of spend optimally.

Build a stack →

Statement upload

Upload your last credit card statement (PDF). We analyze your MCC categories and recommend cards that maximize YOUR actual spending pattern — not a generic profile.

Upload statement →

Approval probability

Stop applying blindly. Enter your income and credit score; we estimate approval odds for every card. Reduce hard inquiries on your bureau report.

Check approval →

Every comparison site in India is a card seller, not a card recommender.

Paisabazaar, BankBazaar, CardInsider — they earn ₹500–3,000 per approved application. Cards with higher affiliate payouts rank higher, even when they're objectively worse for you. We don't take affiliate commissions on rankings. We rank cards by your spending pattern alone.

0
Banks paying for ranking
Affiliate links are clearly marked. Rankings are pure value-based.
7 days
Data refresh cycle
Weekly MITC scrapes catch devaluations within days, not months.
100%
Open methodology
Our scoring engine is documented. Every recommendation shows its math.
— The catalog

Every card, deeply scored.

Hand-curated until our scraper takes over. Each card includes redemption paths and devaluation history.

Devaluation alerts

Free. No spam. Unsubscribe anytime.

Indian banks devalue cards without warning. Get emailed the moment your card's rewards are cut.