About CardWise

CardWise India helps you choose a credit card based on how you actually spend, not on which card has the biggest advertising budget.

How it works

We maintain a database of 50 popular Indian credit cards from banks including HDFC, SBI, ICICI, Axis, American Express, IDFC FIRST, HSBC, Kotak, IndusInd and Standard Chartered. For each card we record its fees, fee-waiver conditions, reward rates by category, monthly caps, lounge access, forex markup and important exclusions.

When you answer our short questionnaire, we estimate how much each card would return on your spending after fees. We then shortlist the best matches, and an AI model explains which three suit you best and what to watch out for. The AI can only choose from our verified shortlist, and application links always go to the bank's official website.

Keeping data current

Banks change card terms often. In 2026 alone there were dozens of reward cuts, new caps and lounge rule changes. We review card terms regularly. The current data was last updated on 23 September 2026. Always confirm the latest terms on the bank's website before you apply.

Independence

CardWise is free to use and supported by advertising. Recommendations are based only on the value a card gives you, and no bank can pay to rank higher. CardWise does not provide financial advice.

Contact

Found an outdated fee or a broken link? Please report it on our GitHub issues page.