Compare credit cards on your terms
Customise your spending profile, set your preferences, and compare up to three cards side by side. See APRs, fees, rewards, and a personalised annual cost for each card.
Your monthly spending profile
Enter your monthly spending so we can estimate rewards and costs for each card.
Your preferences & priorities
Adjust how much each factor matters to you. The tool will weight its recommendation accordingly.
Factor weights
How important is each factor in your decision?
Your priorities
Toggle the features you care about.
Repayment assumption
Will you carry a balance? This affects how much APR matters.
Set to ₹0 if you pay in full each month.
Compare up to 3 cards
Choose cards from the dropdown in each slotAdd a card to compare
Add a card to compare
Add a card to compare
Four things to compare in any credit card
Not all cards are created equal. These are the numbers that actually affect your wallet.
1. Annual fee
The yearly cost of holding the card. Some cards waive it in the first year or for certain spend levels. Always compare the fee against the rewards you'll actually earn.
2. Interest rate (APR)
If you carry a balance, APR is the most important number. A card with a lower APR can save you far more than any rewards program — especially if you revolve debt.
3. Rewards rate
Cashback, points, or miles — the earn rate varies by category. A card that earns 5% on groceries is very different from one that earns 1% on everything.
4. Welcome bonus
A one-time reward for meeting a spend threshold in the first few months. It can be worth thousands — but only if you'd spend that much anyway.
Frequently asked questions
Common questions about comparing credit cards.
Enter your monthly spending, set your preferences and factor weights, then choose up to three cards. The tool estimates annual rewards, subtracts the annual fee, factors in APR costs if you revolve, and produces a weighted score based on your priorities.
It combines your factor weights (rewards, fees, perks) with the toggle preferences you set to produce a single score for each card. The card with the highest weighted score is highlighted as the best match for your priorities.
If you set a revolving balance above ₹0, the tool estimates the annual interest cost for each card using its APR, then subtracts that from the net value. Cards with lower APRs get a significant boost in that case.
They apply bonuses or penalties to a card's score. For example, "No annual fee" gives a bonus to free cards, "Low APR" gives a bonus to low-rate cards, and "No foreign transaction fee" gives a bonus to cards that waive it.
The score reflects your stated preferences and weights. It's a useful guide, but also consider qualitative factors not captured here: customer service, app quality, and how much you trust the issuer.
It's a close estimate based on your spending profile and the card's advertised rewards. Actual rewards depend on category caps, redemption value, and whether you hit the welcome bonus spend requirement.
The card names and numbers are illustrative examples for demonstration. Always check the current terms and conditions on the issuer's official website before applying.
The tool compares three at a time for clarity. If you want to compare more, run the tool in multiple passes — swap out the cards and note the scores and annual costs for each.
No. Everything runs in your browser. Nothing is uploaded, tracked, or stored.
Ready to pick the right card?
Use your spending profile and priorities to find the card that gives you the most value.
