The state of Indian credit cards.
What 631 cards across 37 issuers actually look like — reward types, archetypes, fees and networks. Every number is computed from our card database, not vibes.
Evidence coverage
119 of 631 canonical cards have supported generic models. This is model readiness, not certification of current issuer terms.
293 cards have recorded evidence older than 90 days. 394 cards lack a verification date in at least one of offer, redemption or lounge data. These groups overlap.
Missing data can mean unknown or not applicable. We do not fill gaps to improve completeness scores. Read a card’s sources and field dates before applying.
Standouts
The extremes of the market — tap through to the full card.
How cards reward you
77% of cards run on points — flexible, but you have to decode redemption to know real value.
Cards by archetype
Our classification of every card into one clear value-prop. Tap a bar to browse that type.
What they cost
Median annual fee is ₹500, but the tail runs to ₹3,00,000. 101 cards carry no annual fee at all.
Networks
Visa dominates, but RuPay’s UPI-linked cards are the fastest-growing slice.