🔥Live · India’s smartest card AI

India’s smartest credit card AI — built to earn you more.

Compare 100+ cards with zero affiliate bias. Our AI finds every rupee you’re leaving on the table — smarter points, better matches, live devaluation alerts.

⚡ Live AI · responses in seconds🔒 No login · No data stored

it actually talks back ↘

CIRA

Online

Roast my card

Drop your card. I'll tell you the truth.

Ask CIRA anything...

REWARDS CALCULATOR

Are you leaving money on the table?

Pick your card and monthly spend. See what you are missing in 5 seconds.

YOUR BANK

YOUR CARD

MONTHLY SPEND

SEE IT IN ACTION - 3 TOOLS

Three AIs. One obsession: getting you paid.

Pick a tool below. Tap the phone. Try it. Real responses, no signup.

CreditIQ

Online

roast

Drop your card. I'll tell you the truth.

I have HDFC Regalia. Rs.2,500 fee.

Oof. Sweetie.

Your Regalia earns 1.4% effective.

On Rs.8L/yr spend: Rs.11,200 back.
HDFC Infinia: Rs.26,400 back.

Gap: Rs.15,200/yr you're handing back.

Grade: D-

Ask anything...

↑

Card Roast

A brutal A-F grade on your current card. Shareable. Probably mean. Definitely accurate.

Roast my card →

CreditIQ

Online

match

Tell me how you spend. I'll pick one card.

Rs.12L/yr. Mostly travel, online, dining.

OK travel girlie. Working on it...

Top match: HDFC Infinia (94/100)

- 3.3% effective on your profile
- Unlimited Priority Pass
- Rs.47,000/yr back after fees

Break-even: Rs.6.2L. You're past it.

What about Magnus?

Ask anything...

↑

Smart Match

Tell me how you spend. I pick one card. Just one. No lists, no commissions.

Find my card →

CreditIQ

Online

optimize

Got points sitting there? Let's use them.

I have 150,000 HDFC points.

Excellent. Time to make them work.

Best path:

Transfer to Turkish Miles&Smiles (1:1)
Book DEL-NRT in business class
Cost: 90k miles + Rs.18,000 taxes
Cash price: Rs.3,40,000

Value: Rs.5.30 per point. Elite.

Business class?? With 90k miles??

Welcome to the sweet spot!

Ask anything...

↑

Points Optimizer

I find the redemption that earns Rs.1+/pt instead of Rs.0.30. Transfer partners, sweet spots.

Optimize points →

hey 👋

your card sucks

✦ CIRA HAS OPINIONS

MEET CIRA · YOUR CREDIT INTELLIGENCE

Hi, I am CIRA.
Your wallet is
new best friend.

CIRA reads every credit card MITC so you do not have to. Tracks devaluations within hours. Roasts your current card, picks your next one, and finds sweet spots in your reward points other people miss.

🔥Brutally honest

🧮All maths, no vibes

🚫Zero bank kickbacks

⚡Responds in seconds

Ask CIRA→Try Travel AI→

RECEIPTS . BY THE NUMBERS

We don't guess. We just count.

Cards roasted

And counting daily.

₹0L

Saved by users

In rewards earned vs. lost.

Cards tracked

Across 24 banks.

Affiliate bias

Same rate on every card.

We do not take money to rank cards.
We take it to rank ourselves.

Every other comparison site in India earns ₹500-3,000 per approved application. Their rankings are bought, not earned. Ours are not.

See the proof

REAL USERS · HONEST REVIEWS

People who stopped leaving money behind.

★★★★★

"CIRA found me ₹18,000/year I was leaving on the table. Switched to Magnus, confirmed within a week."

Rahul S., Bangalore

HDFC Infinia holder

★★★★★

"The devaluation tracker alone is worth it. Got an alert the day Axis removed Marriott. Transferred my points before it happened."

Priya K., Mumbai

Travel card optimizer

★★★★★

"Told me not to apply for Infinia yet. Would have been rejected. Got Regalia Gold first. Now approved. Actually honest advice."

Arjun M., Delhi

First-time premium user

★★★★★

"The KrisFlyer sweet spot guide alone saved me ₹85,000 on a Singapore business class ticket I was about to buy in cash."

Sneha T., Hyderabad

Frequent flyer

BUILT FOR MOMENTS · 06 OF THEM

For the moments your wallet actually thinks.

💸

Before applying

Grade the card before you sign anything.

😬

When your card sucks

Find out why. With receipts.

✈️

Planning a big trip

Find the redemption that hits ₹1+/point.

📊

After your statement drops

Upload it. See the gap vs marketing.

🤔

Comparing offers

Drop 4 cards. Ranked by your spend.

🛬

At the airport

Track lounge visits so you are never turned away.

START HERE . 03 PATHS

Three ways to begin.

Most people don't know what they want until they see it. Pick the question that sounds most like you.

01 . FIND

Show me the right card for me.

Tell us how you spend. Get one card recommendation backed by maths, not commissions.

Start here →

02 . ROAST

Tell me if my card sucks.

Drop your current card and a sample month of spending. We grade it brutally — A through F.

Start here →

03 . EARN

How do I squeeze more from my points?

Most people redeem at Rs.0.25/pt. We find paths worth 3-5x more.

Start here →

AI TOOLBOX . 06 TOOLS

The arsenal.
Built to earn you more, not sell you more.

Open the toolbox

◐

Card Match

POPULAR

Type how you spend in plain English. We pick one card. No top-10 lists, no rankings sold to the highest bidder.

Open tool→

✦

Card Roast

NEW

Brutal A-F grade on your current card. Shareable. Probably mean. Definitely accurate.

Open tool→

◇

Statement Truth

Upload your statement. We tell you if your card is doing what the brochure promised.

Open tool→

↻

Switch Wizard

Already have a card? See if there's a better one for the same spend pattern.

Open tool→

✈

Travel AI

BETA

Chat with an AI that knows every airline, hotel and transfer ratio.

Open tool→

◉

Lounge Tracker

Never get turned away at the gate. Tracks free visits across every card you carry.

Open tool→

THE TOP DECK . RANKED

Cards that actually earn their fee.

Ranked by effective reward rate on Rs.6L-Rs.15L annual spend, after fees.

HDFC

INFINIA METAL EDITION

BROWSE BY CATEGORY

International Travel Domestic Travel Forex 0%Lounge Access Cashback Online Shopping Fuel Dining First Card Lifetime Free Business Metal

★★★★★

4.8 / 5

Based on 2,847 honest reviews

Roast your card.
From your pocket.

The whole CreditIQ engine, on iOS and Android. Free. No bank logins, no card numbers, no ads. Just sass.

🚀

Coming Soon

iOS & Android App

🍎

Download on the

App Store

COMING SOON

▶

Get it on

Google Play

COMING SOON

★★★★★

Aditi V.

Genuinely useful

Finally a card site that is not a thinly disguised affiliate dump. The roast feature is hilarious AND accurate.

★★★★★

Rohit M.

Saved me ₹40K/yr

CIRA told me my Regalia was earning 1.2% effective on my spend. Switched to Diners Black. Maths checks out.

★★★★★

Priya K.

Should be illegal

The honesty bias-free disclosure thing alone is worth it. Plus the Travel AI is unreal for award flights.

The honest
questions.

People ask a lot of them. Here are 06 of them.

Full disclosure

YOUR MOVE

The right card — and every rupee it owes you — is 90 seconds away.

No sign-up. No email. No commissions. Just the right card.

Find my perfect card→See a sample card→

India’s smartest credit card AI — built to earn you more.

Are you leaving money on the table?

Three AIs. One obsession: getting you paid.

Card Roast

Smart Match

Points Optimizer

Hi, I am CIRA.Your wallet isnew best friend.

We don't guess. We just count.

We do not take money to rank cards.We take it to rank ourselves.

People who stopped leaving money behind.

For the moments your wallet actually thinks.

Before applying

When your card sucks

Planning a big trip

After your statement drops

Comparing offers

At the airport

Three ways to begin.

Show me the right card for me.

Tell me if my card sucks.

How do I squeeze more from my points?

The arsenal.Built to earn you more, not sell you more.

Card Match

Card Roast

Statement Truth

Switch Wizard

Travel AI

Lounge Tracker

Cards that actually earn their fee.

Infinia Metal Edition

Regalia Gold

Millennia

Cashback

ELITE

Amazon Pay ICICI

Roast your card.From your pocket.

The honestquestions.

The right card — and every rupee it owes you — is 90 seconds away.

Hi, I am CIRA.
Your wallet is
new best friend.

We do not take money to rank cards.
We take it to rank ourselves.

The arsenal.
Built to earn you more, not sell you more.

Roast your card.
From your pocket.

The honest
questions.