Free Tools to Choose the Right Card

The two tools answer different questions. Use CardFinder when you do not yet know which cards to consider — you describe how you spend, and it models every card in our database against those figures to rank them by what they would actually earn you. Use Card Compare when you have already shortlisted two or three cards and need to see their fees, reward rates, forex markup and lounge terms side by side.

Both run on the same underlying card data — fees, earning rules, caps and redemption values maintained by our editorial team from issuer documentation. Neither requires a sign-up, and neither stores what you enter.

The reason we built them is that headline reward rates are a poor guide to what a card pays. Advertised rates are usually capped, tiered, or excluded on the categories where people spend most, and points rarely redeem at face value. Modelling those mechanics against real spending gives a very different ranking to a generic “best cards” list — which is exactly why the same card can be an excellent choice for one person and a poor one for another.

If you would rather read than click, browse every card we review or start with our beginner's guide to credit cards in India. Our rating methodology explains how every score on this site is produced.