About CreditPlanner.in

Built for the credit card holder
everyone else overlooks.

CreditPlanner.in is an independent platform for students, first-time earners, and Tier 2 and Tier 3 city residents. We help you find the right card — and use your existing ones correctly. Not owned by any bank. Always free for users.

Why we built this

India has over 110 million credit card holders. Most of them are paying interest they should never pay — not from carelessness, but because no one explained how billing cycles work.

Every major platform focuses on getting you a new card. Nobody focuses on helping you use the card you already have correctly. CreditPlanner.in does both — card comparison and a set of tools that help you manage your existing cards day to day.

We earn affiliate commissions when you apply for a card through our links. That is our only revenue. We disclose it on every listing and on our How We Make Money page.

Independent
Not owned by or funded by any bank. Editorial decisions are ours alone.
No financial credentials collected
No card numbers, bank logins, PAN, Aadhaar, or CIBIL scores. Ever.
Affiliate commissions — disclosed
Every affiliate link is labelled. No hidden relationships.
Not a financial adviser
We hold no SEBI, RBI, or IRDAI licence. Information only.

Our principles

Independence

We are not owned by any bank. A card that pays us a lower commission can still top a category if it is the better fit.

Transparency

We publish full disclosure of how we make money — including the honest admission that some good cards are absent because we have no affiliate deal with those banks.

Data safety

When you apply for a card, your data goes to the bank — not to us. We never see it, store it, or pass it on.

Plain language

Fees in rupees. Eligibility without the asterisks. Nothing on this platform is financial advice — always consult a qualified adviser for significant decisions.