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CredSpy compares credit cards in India on what they actually return — reward rates after caps, fees after waivers, and eligibility rules as the bank writes them.
Most comparison sites rank on commission. We publish the scoring method instead — every weight, every threshold — so you can check the working rather than take it on trust.
Four rules that decide what goes on the site, and what does not.
We earn when someone applies through us. That payment is recorded against the click, never against the score — there is no commission term in the model at all, so there is no weight to set to zero.
Reward rates, caps, exclusions and fee waivers come from the issuer’s own documentation. Where a bank publishes no figure, the field stays blank rather than being estimated.
A rejected application costs you a hard enquiry. The age, income and employment rules are shown up front so you only apply where approval is realistic.
When an issuer changes a card, the page is updated and the change is dated — both the old value and the new one — so you can see what moved and when.
All free, and none of it needs an account.
Answer a few questions about how you spend and get a ranked shortlist with the maths behind every position.
Find my cardAsk in English or Hinglish. It reads the live catalogue and answers with real figures, not headline rates.
Ask a questionPut up to three cards together and get a winner called on every row we can judge.
Compare cardsTrack the cards you already hold, so a recommendation knows what you have rather than what you might want.
Browse cardsWhen you apply for a card through a link on this site, the issuing bank or its affiliate network may pay us a referral fee. It does not change what you pay — you pay the bank exactly what the bank charges — and it does not change where the card ranks.
Cards we earn nothing from are listed and scored on exactly the same basis, and they do outrank cards that pay us. That is checkable: the whole model is published, and commission is not one of its terms.
Card terms are set by the bank and can change without notice. Always confirm the current fee and reward structure on the issuer's own page before you apply.
Ranking model 2026-09-v1
Corrections are welcome and are published on the card's own page with the date they were made. If a figure here is wrong, tell us which card and why.
Everything worth knowing before you choose. All of it is on this page — open only what you need.
