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AI-Powered · Free · Instant

Find Your Perfect Credit Card with AI

Answer 3 simple questions and our AI instantly recommends the cards that maximize cashback, rewards and travel benefits.

Browse Cards
Scapia Federal
Federal Bank
•••• •••• •••• 4291
SBI Cashback
State Bank of India
•••• •••• •••• 8847
Axis Atlas
Axis Bank
•••• •••• •••• 3156
IDFC FIRST Wealth
IDFC FIRST Bank
•••• •••• •••• 7023
Compare cards from leading issuers

See the AI in Action

Profile-based matching that helps you shortlist cards worth reviewing.

Your Profile
Age31 years
Annual Income₹18 Lakhs
TravelFrequent ✈
Online ShoppingHigh 🛒
DiningMedium 🍽
Existing Cards1 card
●●●
AI is analyzing your profile
01
RG
HDFC Regalia Gold
4 lounge visits/yr · 4 pts per ₹150
★★★★★
92%
Match
02
AT
Axis Atlas
Travel rewards · 5 EDGE miles per ₹100
★★★★★
89%
Match
03
AP
Amex Platinum Travel
Taj Vouchers · IndiGo miles · Global lounges
★★★★☆
86%
Match

How It Works

Three questions. Thirty seconds. Perfect card.

₹
Step 01
Income
Tell us your annual income
✈️
Step 02
Travel
How often you fly
⭐
Step 03
Goal
What matters most to you
🤖
Step 04
AI Match
Instant AI recommendation

What Do You Want to Maximize?

💸
Cashback
Up to 5% back
✈️
Travel
Miles & points
🛫
Airport Lounge
Unlimited access
🛒
Shopping
Extra rewards online
⛽
Fuel
Surcharge waiver
🍽️
Dining
Zomato, Swiggy
💼
Business
GST & invoicing
🏨
Hotels
Complimentary stays

Credit Health Check

Find out which cards you're eligible for — in 60 seconds. No impact on your CIBIL score.

💳

Check Your Credit Eligibility

We'll estimate which credit cards you likely qualify for based on your profile. 100% free, no CIBIL inquiry.

Please enter your full name
Please enter a valid 10-digit mobile number
Please enter a valid email address
Please enter a valid PAN number (e.g. ABCDE1234F)

🔒 Your data is private and will never be shared or sold.

Question 1 of 5

Analyzing your profile…

Checking eligibility across 20+ credit cards

Your Matched Cards
🔒 Your results have been saved. We'll notify you when new cards match your profile.
⚠️ This Credit Health Check is an indicative assessment based on your self-reported information. It is not an official credit bureau report and does not access or affect your CIBIL score. Actual card eligibility is determined by the bank based on your credit bureau report, income proof, and internal policies.

Top Cards at a Glance

Swipe to compare. No jargon.

📅 Card details are updated periodically. Fees and reward rates may have changed — verify on the bank's official website before applying. Approval depends on your CIBIL score, income, and the bank's internal eligibility criteria. CardAI cannot guarantee approval.

HSBC Live+
HSBC Live+
HSBC Bank
CashbackUnlimitedLifestyle
Annual Fee: ₹1,999 (waived ₹2L/yr)
Key Benefit: 1.5% unlimited cashback
91
AI Score
Excellent
Cashback SBI Card
Cashback SBI Card
SBI Card
5% Online1% OfflineCashback
Joining/Renewal Fee: ₹999 + taxes (renewal waived at ₹2L annual spend)
Key Benefit: 5% online and 1% offline cashback
Caps: ₹2,000 online + ₹2,000 offline; ₹4,000 total per statement cycle
Excludes: utilities, insurance, fuel, rent, wallets, education, jewellery, railways and other excluded categories
Approval and affiliate payout require issuer confirmation and card activation. Verify current terms with SBI Card.
Axis ACE
Axis Bank ACE
Axis Bank
CashbackGoogle PayFlat Rate
Annual Fee: ₹499
Key Benefit: 2% flat cashback via GPay
88
AI Score
Excellent
HDFC Millennia
HDFC Millennia
HDFC Bank
OnlineAmazonFlipkart
Annual Fee: ₹1,000
Key Benefit: 5% on Amazon/Flipkart/Myntra
86
AI Score
Excellent
HDFC Regalia Gold
HDFC Regalia Gold
HDFC Bank
TravelLoungeRewards
Annual Fee: ₹2,500
Key Benefit: 4 pts/₹150 · 4 lounge visits
90
AI Score
Excellent
IDFC FIRST Wealth
IDFC FIRST Wealth
IDFC FIRST Bank
Lifetime FreeGolfPremium
Annual Fee: ₹0 — Lifetime Free
Key Benefit: LTF · 10x rewards · Golf
89
AI Score
Excellent
HSBC TravelOne
HSBC TravelOne
HSBC Bank
TravelMilesMulti-Airline
Annual Fee: ₹4,999
Key Benefit: Transfer miles to 10+ airlines
87
AI Score
Excellent
Scapia Federal
Scapia Federal
Federal Bank
Zero ForexNo FeeTravel
Annual Fee: ₹0 — Free Forever
Key Benefit: Zero forex markup · Lounge on spend
85
AI Score
Excellent
BPCL SBI Octane
BPCL SBI Octane
State Bank of India
FuelBPCLSurcharge Waiver
Annual Fee: ₹1,499
Key Benefit: 7.25% value back at BPCL pumps
79
AI Score
Good
Swiggy HDFC
Swiggy HDFC Bank
HDFC Bank
Food DeliveryDiningInstamart
Annual Fee: ₹500
Key Benefit: 10% on Swiggy · 5% on dining
84
AI Score
Very Good
EazyDiner IndusInd
EazyDiner IndusInd
IndusInd Bank
DiningRestaurantsEazyDiner Prime
Annual Fee: ₹1,999
Key Benefit: Up to 25% off at 3,000+ restaurants
80
AI Score
Very Good
Flipkart Axis
Flipkart Axis Bank
Axis Bank
FlipkartMyntraShopping
Annual Fee: ₹500
Key Benefit: 5% on Flipkart · 4% on Myntra
83
AI Score
Very Good
Airtel Axis
Airtel Axis Bank
Axis Bank
AirtelRechargeDining
Annual Fee: ₹500
Key Benefit: 25% back on Airtel · 10% Swiggy/Zomato
81
AI Score
Very Good
HDFC Pixel Play
HDFC Pixel Play
HDFC Bank
GamingOTTEntertainment
Annual Fee: ₹500
Key Benefit: 5% on OTT/gaming · 3% on Amazon
82
AI Score
Very Good
Tata Neu Infinity
Tata Neu Infinity HDFC
HDFC Bank
Tata BrandsNeuCoinsShopping
Annual Fee: ₹1,499
Key Benefit: 5% NeuCoins on Tata brands
81
AI Score
Very Good
IndusInd Avios
IndusInd Avios Infinite
IndusInd Bank
British AirwaysAviosInternational
Annual Fee: ₹10,000
Key Benefit: Earn British Airways Avios miles
78
AI Score
Good
IDFC FIRST Millennia
IDFC FIRST Millennia
IDFC FIRST Bank
Lifetime FreeWeekend 10xFirst Card
Annual Fee: ₹0 — Lifetime Free
Key Benefit: 10x reward points on weekends
84
AI Score
Very Good
HDFC Freedom
HDFC Freedom
HDFC Bank
No Annual FeeEMICashback
Annual Fee: ₹0
Key Benefit: 5% cashback on all EMI transactions
76
AI Score
Good
Axis Bank Neo
Axis Bank Neo
Axis Bank
Entry LevelZomatoSwiggy
Annual Fee: ₹250
Key Benefit: 10% off on Zomato + OTT vouchers
75
AI Score
Good
KIWI UPI
KIWI UPI Credit Card
SBM Bank
UPICashbackNo Annual Fee
Annual Fee: ₹0
Key Benefit: 1% cashback on every UPI transaction
77
AI Score
Good
HDFC BizGrow
HDFC BizGrow
HDFC Bank
BusinessSMEFuel Waiver
Annual Fee: ₹500
Key Benefit: Business rewards + 5% fuel surcharge waiver
79
AI Score
Good

How Much Can You Earn?

Enter your monthly spend and see your projected annual rewards.

₹
₹
₹
₹
Potential Yearly Rewards
₹37,800
estimated annual savings
Best card for you
SBI Cashback Card
Shopping
₹30,000
Dining
₹4,500
Travel
₹7,500
Fuel
₹300
🚨
Important — Pay your bill in full every month. Credit cards carry an interest rate of 36–44% per annum on outstanding balances. If you carry even one month's balance forward, the interest charged will exceed an entire year's rewards. All reward estimates on this page assume you pay your full statement balance every billing cycle.

⚠️ Disclaimer: Reward estimates are indicative only. They are based on publicly available reward rates and known monthly cashback caps, and do not deduct annual fees (e.g., a card with ₹500 fee + 18% GST costs ₹590/year — subtract this from projected rewards). Points-based cards assume ₹0.25 per reward point. Actual rewards depend on eligible merchant categories, billing cycles, and your bank's current terms which may have changed. Card features and fees are updated periodically but may not reflect the latest changes — always verify on the bank's official website before applying. CardAI earns an affiliate commission if you apply through our links — this does not influence our rankings.

Find Your Lounge Card

How many flights do you take per year?

✈
Domestic
International
Best Card for You
HDFC Regalia Gold
🛫
Lounge Visits
12 free visits/year
🎁
Reward Points
4 points per ₹150
🛡
Travel Insurance
Up to ₹1 Crore cover

Ask Anything About Cards

Chat with our AI. It knows every credit card in India.

CardAI Assistant
Online · Typically replies instantly
Hi! I'm CardAI. Tell me about your spending habits — I'll recommend the best cards for you, with specific reward rates and fees. 🃏

🤖 CardAI is powered by an AI model and may occasionally give inaccurate or outdated information. Always verify card details, fees, and eligibility on the bank's official website before applying.

Built for Smarter Decisions

🤖
AI Recommendations
Profile-based matching across our curated catalogue
🎯
Smart Matching
Personalized to your spending DNA
💰
Reward Optimizer
Maximize every rupee you spend
⚡
Real-time Compare
Side-by-side in seconds
🏦
Curated Cards
Selected cards from leading Indian issuers
✅
Eligibility Check
Know before you apply
👑
Premium Cards
Super-premium tier included
🛫
Travel Benefits
Lounge, miles, insurance mapped
Scapia Federal
Federal Bank · Travel
•••• •••• •••• 4291
Axis Atlas
Axis Bank · Travel
•••• •••• •••• 8156
Amex Platinum Travel
American Express · Premium
•••• •••• •••• 3047
SBI Cashback
SBI · Cashback
•••• •••• •••• 7723
IDFC FIRST Wealth
IDFC FIRST Bank · Lifetime Free
•••• •••• •••• 9081

India's Best Credit Cards in One Place

From lifetime-free cards to ultra-premium black cards — our AI knows them all and matches the right one to you.

Scapia Federal
Zero Forex · Free
Axis Atlas
5x Travel Miles
Amex Platinum Travel
Taj Vouchers
SBI Cashback
5% Online Cashback
IDFC FIRST Wealth
Lifetime Free

Common Questions

Which credit card is best for cashback?
HSBC Live+ offers 1.5% unlimited cashback on all spends with no monthly cap — one of the best flat-rate cashback cards in India. HDFC Millennia gives 5% on Amazon, Flipkart and Myntra, and Axis ACE provides 2% flat cashback via Google Pay on all spending.
Which card gives unlimited airport lounge access?
HDFC Regalia Gold provides 4 complimentary domestic lounge visits per year. IDFC FIRST Wealth offers unlimited lounge access as a lifetime-free card, and Scapia Federal provides lounge access on qualifying spend with zero forex markup.
Can AI really recommend cards based on my spending?
Yes. Our AI analyzes your income level, spending categories, travel frequency, and existing cards to compute a match score across our curated credit-card catalogue. It considers reward rates, annual fees, and your actual usage to maximize net benefit.
How accurate are the AI recommendations?
Our match accuracy averages 93% based on user feedback. The more accurately you fill in your spending data, the more precise the recommendations become.
Is this service free? Do you sell my data?
Completely free. No account required, no spam, no data selling. We earn a referral fee from banks when you apply through us — this never affects our recommendations, which are always ranked by what's best for you.

Ready to Discover Your Perfect Card?

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