Analysis
70% of Indians Are Losing Money on Credit Cards
The hidden rewards crisis — why most cardholders earn far less than they should, and what to do about it.
Find the right card.
Use it correctly
every day.
Compare 100+ Indian credit cards by fee, cashback, and benefits. Then manage your billing cycles intelligently with CycleIQ — our free daily action engine for existing cardholders.
No personal data stored during comparison
Direct bank application
Not owned by any bank
How it works
Three steps to your right card
A straightforward process with no account required to compare cards.
1
Tell us your profile
Answer four quick questions about your employment, income, and primary spending category.
Under 2 minutes
2
Compare matched cards
We surface cards that match your eligibility and maximise rewards for how you actually spend.
Instant results
3
Apply directly with the bank
We link you to the bank's official application. Your data goes to them — not to us.
Typically 2–5 daysApproval is at the issuing bank's sole discretion. We provide information, not guarantees. Card terms and features may change — always verify directly with the bank before applying.
Featured cards
Cards worth considering
Independently selected and regularly reviewed.
Most rewarding
Axis Bank
Privilege Credit Card
Rewards points with travel and dining perks
- 12,500 EDGE points (~₹2,500) on first spend
- 2x domestic lounge access per quarter
- Dining offers via EazyDiner partnership
Annual Fee: ₹1,500 · Waivable on spend milestone
High approval rate
2–3 day processing
Lifetime free
HSBC
Platinum Credit Card
Lifetime zero fee with cashback and lounge access
- No joining or annual fee — ever
- 10% cashback on ₹10,000+ spend in 90 days
- 3 complimentary airport lounge visits/quarter
Annual Fee: ₹0 — Lifetime free
Strong approval rate
4–5 day processing
Top cashback
SBI Card
Cashback Credit Card
High-rate cashback on online and offline spends
- 5% cashback on all online spends
- 1% cashback on offline transactions
- Annual fee waived on ₹2L annual spend
Annual Fee: ₹999 · Waivable on spend milestone
Strong approval rate
2–4 day processing
Introducing CycleIQ
Already have a card?
Use it correctly.
Most credit card holders pay interest they should never pay — not because they can't afford it, but because they spend in the wrong billing window. CycleIQ tells you exactly which card to use today, which to avoid, and which needs payment. Based on your billing dates alone. No bank login. No card numbers.
Daily action engine
Know exactly what to do across all your cards every morning.
Billing cycle timeline
See exactly where you are in each card's billing cycle — spend,
caution, or pay zones.
Streak and savings tracker
Build the daily habit and track your estimated avoided interest over
time.
Try CycleIQ free
Free. No bank login required. No card numbers collected.
Today's Actions
Best to spend
HDFC Regalia
18 days left in free window
Pay now
Axis Magnus
Payment due in 2 days
Avoid spending
ICICI Coral
Statement generates tomorrow
Why CreditPlanner
Built around your interest, not the bank's
We earn commissions from banks, but our recommendations are independent. Here is why that works.
Independent comparison
Not owned by or funded by any bank. We disclose every affiliate relationship. Commissions do not influence rankings — a card that pays us nothing can still top a category if it's the best fit.
Billing intelligence with CycleIQ
The only Indian platform that helps you use your existing cards correctly — not just find a new one. CycleIQ is free and has no affiliate links.
Plain language, no jargon
Fee structures, reward rates, and eligibility criteria explained in straightforward terms. No hidden asterisks that change the value of a benefit.
Your data goes to the bank
We link you directly to the bank's application. We do not intercept, store, or resell any personal or financial data you submit during the application process.
From the blog
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Best Travel Credit Cards for Frequent Flyers
Handpicked travel credit cards for Indian frequent flyers — get rewarded on every flight without paying inflated annual fees.
Already have cards? CycleIQ shows you exactly what to do with them today.
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