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195 Cards · 20 Banks · All RBI-Regulated · Updated 2026

Find Your Perfect
Credit Card in Seconds

Pick a category or a bank below to see a short, curated list — not all 195 cards dumped on one page. Compare, view full details, and apply, all in a few taps.

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✅ No Sign-up Required

🏦 RBI-Regulated Banks Only

Privacy Promise: 🔒No forms. No data sold. · 🚫No data sold to anyone · ✅No sign-up ever required

🤖 Not sure where to start? Let Creddy AI Pick For You

Answer 4 quick questions → get your top 3 cards with approval odds. Nothing you enter leaves your browser.

🧰 All-in-one toolkit, right here: ⚖️ Compare Cards 📊 Credit Score Simulator 🎁 Rewards Calculator

Browse by Bank

Already know your bank? Banks are grouped into 3 short pages so no single page is overloaded

📋 View all 195 cards →

Browse by What You Need

Each category shows only the cards that match — no scrolling through irrelevant ones

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New · Free We match cards & reward rates to YOU

Get personalized card picks and real reward-rate estimates based on your monthly spends and credit score — not generic rankings. 100% free, zero sign-up.

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Credit Score Simulator

Enter your real credit score directly or use the sliders if you don't know it. Instantly see which cards you're most likely to get approved for.

📋 Option 1 — I know my credit score

Enter your actual score directly:

Score range: 300 (Poor) → 900 (Perfect)

🔒 This number stays on your screen only. Not sent anywhere.

Your Score

762

✅ Excellent

— OR estimate using sliders below —

📋 Option 2 — Estimate from habits

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100% Private: You adjust sliders, your browser does the math. Nothing is sent to us. Close the tab — everything is gone forever. We genuinely do not know your score.

💳 On-Time Payments (% of EMIs/bills paid on time)95%

💡 Biggest factor — 35% of your credit score

📊 Credit Utilisation (% of credit limit you use)22%

💡 Below 30% is good. Below 10% = Excellent

📅 Credit History Age (years since first card/loan)5 years

💡 Never close your oldest account — history matters

🔍 Hard Inquiries (applications in last 6 months)2

💡 Each application = 1 inquiry. More = lower score temporarily

🏦 Active Accounts (total credit cards + loans)4

💡 2–5 active accounts shows healthy credit mix

📖 Check your real credit score free:

✅ Official credit bureau site ↗ — 1 free report per year

✅ Paytm / PhonePe / Google Pay — Free instant score

✅ Your bank app — Most show your score for free now

ESTIMATED CREDIT SCORE

✅ Excellent — Premium Cards Eligible

✓

Likely eligible for 45+ credit cards

✓

Lowest loan rates available

✓

Faster approval on most applications

✓

Premium cards (Amex, Magnus) accessible

⚠️ Educational simulator only. Not your official credit score. Visit the official credit bureau website for your real score. We do not store these inputs.

🎯 Suggested based on your credit score

🎯 Cards You Can Get Right Now

Based on your Excellent (762+) score

💡 Score wrong? Update the number in the field above or adjust sliders — recommendations update instantly.

💰 Spend-Based Matcher

Reward Calculator

Enter your monthly spends. We instantly rank the top 3 cards that earn you the most — with exact rupee values.

📊 YOUR MONTHLY SPENDS (₹)

✈️ Travel & Flights

🍔 Food & Dining

🛍 Online Shopping

⛽ Fuel

🏥 Health & Medical

🛒 Groceries

TOTAL MONTHLY SPEND

₹53,000

across 6 categories → ₹24,680 best annual rewards

₹12,400Travel rewards

3 NightsFree hotel stays

₹7,200Cashback earned

🎯 Suggested based on your monthly expenditure

🏆 BEST CARDS FOR YOUR SPENDING PATTERN

🔄 Rankings update instantly as you change your spends above · 🔒 No data saved

₹

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Annual reward value calculated from real card rate sheets of 50+ cards. Values are estimates — actual rewards may vary.

⚖️ Compare Across All Cards & Banks →

⚖️ Side-by-Side

Compare Credit Cards

Search for a card below, or pick from the dropdowns. We'll highlight the winner for you automatically.

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Card 1

Card 2

Card 3 (optional)

Card 4 (optional)

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Choose 2 cards to compare

Tap a quick pick above, or select 2 cards yourself from the dropdowns

Find Your PerfectCredit Card in Seconds

Find Your Perfect
Credit Card in Seconds