Tools

Every calculator we run, on the same figures as the card pages.

Each of these reads the same normalised terms — the fee, the cap, the exclusions — that every card page and every ranking on this site is built from. A number one of them gives you cannot disagree with a number somewhere else, because there is only one set.

One set of terms: Read from each issuer’s Key Fact Statement and MITC, not retyped per tool.
Nothing is stored: What you type is scored and discarded. No account for any tool marked so below.
Commission changes nothing: The ranking engine has no access to what a card pays us. The two never meet.

Start here

If you do not know which card you want yet, one of these three.

Card RecommendationAnswer six questions and every card is scored against your real monthly spend, caps and fee included.About 2 minutesNo account needed Compare CardsThe same basket run through both cards, with the annual fee netted off and one verdict at the end.About 1 minuteNo account needed Eligibility CheckerApproval odds against each issuer’s published income and score rules. No credit check, no footprint.About 2 minutesNo account needed

Go deeper

For a specific question — one purchase, one switch, one statement.

AI Card AdvisorA question in plain English about any fee, reward rule or exclusion, answered from the card’s own terms.No account needed Purchase AdvisorName what you are about to buy and see which card in your wallet pays the most on it.About 1 minuteNo account needed Switch CalculatorWhat you would gain or lose in a year by moving from the card you hold to one you are considering.About 2 minutesNo account needed Spend AnalyzerPaste or upload a statement and get your actual category mix — the input every other tool here wants.About 3 minutesNeeds an account Head-to-HeadsEvery published card-versus-card comparison, for when you already know the two names.No account needed

Once you hold cards

These need a card in your wallet or a reading on file to be worth anything.

Create a free account

My WalletThe cards you hold, with renewal dates and fee-waiver progress counted down.Needs an account Credit Score TrackerLog a reading and watch the trend, so you know when you are ready to apply.Needs an account ShortlistThe cards you saved, side by side, on a link you can send to someone else.Needs an account Card AlertsTell us what to watch and we will say when a fee, a rate or a cap changes.Needs an account WishlistCards you want next, synced to your account across devices.Needs an account

Guide and common questions

Everything worth knowing before you choose. All of it is on this page — open only what you need.

1. Which tool answers which question

1 min read

Five questions come up in order when somebody is choosing a card, and there is a tool for each. Will I be approved? — the eligibility checker tests your income, age and score against what each issuer publishes, with no bureau enquiry. Which card suits what I spend on? — the spend analyser prices your own statement against every card, caps and exclusions applied. How do two cards compare? — the comparison tool puts them side by side on fees, caps, lounge access and forex. Is my score moving? — the score tracker keeps your readings in one place. Did my card get worse? — alerts record fee revisions and devalued rewards as they happen.

2. Start from where you are

1 min read

If you have no credit history, start with the cards approved without one rather than with a tool. If you know your score, the lists for a 750 score and a 700 score are narrower and more honest than a general ranking. If the salary is the constraint, the lists for Rs. 15,000, Rs. 25,000 and Rs. 50,000 a month only contain cards whose published minimum you meet.

Every tool here works signed out, none of them runs a credit check, and nothing you enter is sent to an issuer. The figures behind them come from each card’s published terms, which is also why a tool here will sometimes disagree with the card’s marketing page.

3. Frequently Asked Questions

3 questions answered

Do these credit card tools affect my credit score?

No. None of them runs a bureau check. The eligibility checker compares your figures against each issuer’s published criteria, and the score tracker only stores a reading you already have. A hard enquiry happens when you apply to a lender, not when you use a tool.

Do I need an account to use these tools?

No. Every tool works signed out. An account only adds saving — a shortlist, an analysis, a run of score readings — so the same answers are available without one.

Which credit card tool should I use first?

The eligibility checker, because it is the only one whose answer can rule cards out. There is little point pricing a card against your spending if its published income or score requirement is above you.