In India, "credit card comparison" is a business model, not a service. Every major comparison platform earns Rs.500 to Rs.3,000 per approved application. The card that pays more, ranks higher. Period.
We've watched friends apply for cards that were objectively wrong for their spending pattern because some affiliate site put them at the top. We've seen "Top 10 Travel Cards" lists that are really "Top 10 Cards That Pay Us The Most This Quarter."
We built CreditIQ because the smartest financial decision of your year — which credit card to hold — deserves a recommendation that isn't bought.
Our rankings are based on one thing: the actual rupee value a card generates for your spending pattern, minus its true costs. We track caps, fee waivers, milestone spends, redemption haircuts. We log every devaluation. We show our maths.