AI-powered · 40+ Indian cards

Find your perfect credit card in 60 seconds

Stop guessing which card gives you the best rewards. CardGenie analyses your spending habits and recommends the exact cards that earn you maximum returns — specific to India.

40+
Indian cards
15
Top banks
₹0
Cost to use
HDFC Regalia Gold
VISA
•••• •••• •••• 4242
CARDHOLDER
YOUR NAME
REWARDS
5x Travel
Axis ACE
2% cashback on UPI
5% on Google Pay
Amazon Pay ICICI
₹0 annual fee
5% on Amazon
Best match found
₹4,200 monthly rewards
Simple & fast

How CardGenie works

No forms to fill, no accounts to create. Answer 4 questions and get your personalised recommendations in under 60 seconds.

STEP 01

Tell us your profile

Income, spending categories, and whether you use UPI. Takes 60 seconds.

STEP 02

AI analyses 40+ cards

Our engine scores every card against your exact spending pattern and calculates rupee rewards.

STEP 03

Get ranked results

See your top 5 cards ranked by net annual benefit — rewards minus annual fee, in rupees.

STEP 04

Apply with one click

Click Apply Now and go directly to the bank. No middlemen, no data shared.

AI Recommender

Find your perfect card

Answer 4 quick questions — we do the maths and show you exactly which cards earn you the most.

Step 1 of 425% complete

What is your monthly income?

We use this only to filter eligible cards — no wasted applications.

UPI rewards filter
See every card that earns rewards on GPay & PhonePe
Lounge access finder
Find cards with free airport lounge visits
Eligibility check
Filter only cards you can realistically get approved for
Reward calculator
Calculate exact ₹ value across any spending mix

Reward calculator

Enter your monthly spends to see exactly how much you earn with each card type.

Enter your typical monthly spend in each category to see which card type earns you the most.

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Use the AI recommender above for exact card-by-card calculations →
The recommender calculates real ₹ rewards for each specific card based on your spend.
Get exact numbers
AI Advisor

Ask anything about Indian credit cards

Our AI knows every Indian credit card inside out. Ask about rewards, fees, eligibility — anything.

Hi! I am CardGenie AI — I know every Indian credit card inside out. Ask me anything: which card gives best rewards on Zomato, whether HDFC Regalia is worth the fee, or which card to pick for airport lounges. What is on your mind?

Try asking:

Always verify current offers on the bank's official website before applying.

Banks we cover

All major Indian credit card issuers in one place

HDFC Bank
SBI Card
Axis Bank
ICICI Bank
Kotak
IndusInd Bank
American Express
IDFC First Bank
RBL Bank
Yes Bank
Standard Chartered
AU Small Finance Bank
Bank of Baroda
HSBC India

Stop leaving rewards on the table

The average Indian credit card user misses ₹15,000+ in annual rewards by using the wrong card. Find yours in 60 seconds.

Find my best card — free