Find Your Best Credit Card
Four quick questions. See the cards that would earn you the most on your own spending, after their fee. No PAN, no credit check, nothing saved.
- 221Cards checked
- NoneCredit check
What do you spend on most?
Pick all that apply. We match cards to where your money actually goes.
Common Questions
How do you pick the best card for me?
For every card, we take your monthly spend in each category and apply the card's published reward rate there, its monthly cap and the categories it excludes, then subtract the annual fee unless your spending reaches the bank's waiver. Cards are ranked by what is left a year. Commission never changes the order.
What income do I need for a credit card?
Entry-level cards usually ask for ₹15,000 to ₹25,000 a month; premium cards ₹1 lakh or more. Tell us your income range and only cards whose published minimum you meet are shown.
Will checking here affect my credit score?
No. We never ask for your PAN and never pull a credit report. A hard enquiry happens only when you apply with a bank.
Does meeting the rules mean I will be approved?
No. Banks also look at your credit history, existing cards, where you live and your employer. This list shows the cards whose published rules you meet.
I have no income proof. Can I get a card?
Yes: a secured card issued against a fixed deposit usually needs no income proof or credit history. Pick "Below ₹25,000" and "Any fee" to see what is open to you.
Guides in Plain Words
Short reads that explain how it works before you decide.
- GuidesBest Credit Cards Under ₹500 a Year in India (2026)Credit cards with an annual fee of ₹500 or less (before GST) in 2026, ranked by the reward rate each bank states, with fee waivers.Read the guide →
GuidesNo-Cost EMI: What It Really Costs You, With a Worked ExampleNo-cost EMI is not a trick, but it is rarely free. Here is where the money goes: the discount you give up, the processing fee, and GST on the interest, worked out on a Rs 30,000 phone.Read the guide →- GuidesBest Online Shopping Credit Cards in India (2026)The credit cards that pay the most back on online shopping in 2026, which sites count, the monthly cap and the annual fee.Read the guide →


