Best for cashback₹500/yr
Airtel Axis Bank
Axis · Visa
Straight cashback on everyday spend — no points, no expiry games.
Estimated annual value₹8,892/yr
Part of KnowYourFinance
Independent credit card research
The right credit card for how you actually spend.
Move the slider, pick your spend categories, and see the cards that pay you back the most — net of fees. No PAN, no sign-up, no nonsense.
631Canonical cards
37Banks covered
124+Card-lounge maps
Top three for a ₹30k/month profile.
View the top 100ICICISBIAxisAmexAU Small FinanceBank of IndiaBoBCanara BankCity Union BankIDFCIndusIndCSB BankVisaAmexRuPayMasterCardDiners ClubICICISBIAxisAmexAU Small FinanceBank of IndiaBoBCanara BankCity Union BankIDFCIndusIndCSB BankVisaAmexRuPayMasterCardDiners ClubICICISBIAxisAmexAU Small FinanceBank of IndiaBoBCanara BankCity Union BankIDFCIndusIndCSB BankVisaAmexRuPayMasterCardDiners Club
Where you spend
Best card for the apps you already use.
Tap a brand and see which cards pay the most there — Amazon orders, Swiggy dinners, airport cab, petrol top-up.
1
HDFC Infinia MetalHDFC
16.5%on Amazon
2HDFC Diners Club BlackHDFC
16.0%on Amazon
3Airtel Axis BankAxis
10.0%on Amazon
Rates use each card’s published category earn for this kind of spend — exclusions and caps on the card page.
How it works
Honest math. No marketing fog.
We score every card the same way: expected rewards on your spend, minus its annual fee. Your profile, your numbers — same logic for every card.
Step 01
Tell us how you spend
Set a monthly spend and pick your top three categories. Takes ten seconds.
Step 02
We score every card
Expected reward value minus fees, capped by real category limits — not marketing math.
Step 03
Act only on reviewed offers
Apply buttons appear only where we have a reviewed card offer. We never collect your PAN or personal data.
Editor’s picks
Three cards worth a closer look.
Hand-picked by category — each one earns its slot by net value, not by who’s paying for placement.
Shop by goal
Start where it matters to you.
Skip the catalog. Jump straight to the cards built for what you spend on most.
We don’t rank cards by who pays us. We rank them by what they actually return on your spend — fees and caps included.
0Banks paid for placement
631Cards in the model
37Issuers tracked
RollingFee & rate re-verification
Latest on the blog
Fresh reads from our editors.
Guides
Axis Bank Credit Card Devaluations 2026: The Master Guide to August 28 Terms, DCC Markup Fees, and Partner Removals
Axis Bank implemented major credit card changes in 2026. From August 28 DCC markup increases to 3.5%, toll exclusions, Travel EDGE partner removals, and Airtel Axis capping rules, here is the raw mathematical truth.
30 Jul 2026 · 18 min readGuidesSBI Card CIBIL Glitch: Why Your Credit Score Just Dropped and How to Fix It Immediately
Many SBI Card users are noticing incorrect overdue reporting on CIBIL, causing credit scores to plummet by 50-70+ points. Here is how to raise a dispute and fix it.
13 Jul 2026 · 12 min readGuidesRuPay UPI Credit Cards: Convenience vs Missing Rewards – Exposing MDR Caps, Merchant QR Blocking, and Hidden Exclusions
RuPay credit cards on UPI promised 1-2% rewards on every scan. Here is the raw mathematical truth behind MDR caps, merchant QR rejections (P2M vs P2PM), and minimum spend traps.
13 Jul 2026 · 15 min readFAQ
Questions before you dive in.
Quick answers on how we score, where our data comes from, and what we never ask you for.
Read the full methodologyHow do you pick the best card for me?
We use your monthly spend and top categories to calculate expected yearly value for every card, net of fees. The card with the highest net value for your profile wins — not the one with the biggest marketing push.
Is this affiliated with any bank?
No. We are editorially independent. Commercial sponsorships may help fund the site but never influence ranking or recommendations. Full disclosures are public.
How fresh is the data?
We re-verify fees, reward rates, and lounge policies against issuer PDFs on a rolling schedule. Every card page shows its last-checked date.
Do you collect my PAN or personal information?
No. We never ask for PAN, Aadhaar, or bank details. We do not provide external apply links or application routing on this platform.
Stop guessing. Start earning.
Sixty seconds, three questions, and a shortlist tuned to your spend. No sign-up, no PAN — just the math.