Which card should I get, keep or cancel?

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Everything under Cards

The desk's take on cards 4 numbers · 7 doors

1119 cards, 58 issuers, annual fees running from ₹0 to ₹3,00,000 — and most of them are not worth the metal they're printed on. This is where that gets settled: every card ranked, every card given a verdict, and the arithmetic shown. Want the answer for your spend? Start with the planner. Want the argument? Start with the rankings.

cards on the desk: 1119
issuers covered: 58
annual-fee spread: ₹0–₹3,00,000
keep / downgrade / cancel: 650/177/292

The flagship · start here Deck Planner Tell it your monthly spend by category and the cards you already hold. It returns keep / downgrade / cancel on each one, the single best card to add for your biggest gap, and a swipe map — filtered to cards you can actually be approved for. 1119 cards screened Plan my deck No sign-up, no affiliate links, nothing leaves your browser.

Everything under Cards

The board All 1119 cards, best to worst, each with a verdict we defend in public. This is the spine of the desk — every other page argues with it. #1 HDFC Infinia Metal 3.3% headline earn · ₹12,500 fee Compare Two cards, three spend profiles, one called winner. Fees, lounge doors and transfer reach side by side. 452 head-to-heads Best of One vertical, one winner — forex, lounges, transfers, first card, high spenders, perks. Recomputed every build. 23 verticals called Business cards GST challans, vendor bills and income tax — the spends every personal card zero-rates. Ranked against each other, never against a personal wallet. 70 business cards ranked Value calculator Your spend in, net annual ₹ out — after the fee, after the exclusions, after the caps. 1119 cards priced against you Portfolio score Already holding a deck? Grade it out of 100 and get the single move that plugs the biggest leak. 0–100 graded and shareable

Every card on the desk, #1 to #1119

58 issuers · type to find one

58 issuers, 1119 cards, one line each — rank, headline earn rate, verdict; the fee rides the row's title and the card's own page. Type a name to find one, or open your bank. The rate is what ₹100 of ordinary spend earns back at our house ₹/point, before milestones, accelerators and the fee: the reference sheet, not the argument. How we compute it →

Narrow 1119 cards on the desk

What it pays What it costs What I spend on

Network Lounge access Abroad Late fee My monthly income

network, lounges, the fine print and what you can be approved for fold that back up

The first seven narrow the board — a card that isn't what you asked for is hidden, not greyed, because six hundred dimmed rows are a hazard rather than a filter. Income is different: it greys the cards you can't be approved for and prints the reason, since "you can't get this" is worth knowing. Spend categories come from each card's own MITC/T&C exclusions; a card that publishes no rule for a category stays, because silence isn't a claim. Abroad and late fee read the issuer's own MITC line: 3.5% is India's norm, so "under" means cheaper than standard, and a card whose document states neither is filed under "not published" rather than assumed cheap. Your picks live in the URL, so the link you copy is the board you're looking at.

rank · card · headline earn rate, per ₹100 of ordinary spend · verdict — the fee (what you pay to get it) is on the row's title and the card's page