Why this site exists.
In India, "credit card comparison" is a business model, not a service. Paisabazaar, BankBazaar, CardInsider — every major site earns ₹500 to ₹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 CardIQ 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 math.
When (if) we eventually take affiliate commissions, we'll mark every affiliate link with a clear label, and rankings will remain independent of payouts. That's a hard promise.
No paid rankings
No bank can buy a position. No card can outbid another to appear on top. Rankings are determined by your spend profile and verifiable card data only.
Open methodology
Our scoring engine is documented. Every recommendation shows its breakdown: gross rewards, fees, milestones, redemption value. No black boxes.
Live data
Weekly scrapes of bank MITC documents. Crowdsourced devaluation reports. Recent reward rate changes appear in our ticker within days, not months.
Devaluation tracking
Indian banks devalued every premium card in 2025-26. We're the only platform that systematically tracks and surfaces this so you know when 'your card' stops being worth holding.
Tracked devaluations
Every documented change we've logged across the catalog. Sorted by date.