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.
628Cards tracked
37Banks covered
124+Lounges mapped
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
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
Apply on the bank site
Click through to the issuer directly. 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
628Cards in the model
37Issuers tracked
RollingFee & rate re-verification
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IndiGo and Axis Bank launched two new co-branded credit cards in 2026. Are the new 'BluChips' worth chasing, or does cash still reign supreme? We do the math.
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It is not just a card; it is a cult. With a ₹11.5 Lakh joining fee and invite-only access, the Amex Centurion is the ultimate status symbol. But does it make financial sense?
05 Mar 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. Affiliate links 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. When you click Apply, you land directly on the bank’s official site.
Stop guessing. Start earning.
Sixty seconds, three questions, and a shortlist tuned to your spend. No sign-up, no PAN — just the math.