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Card finder
Find the credit card that fits you
Give your age, income, CIBIL score and where the money goes. We check the 562 cards open to new applicants against each bank's published criteria, then rank them for your spend.
| Card | Annual fee | Base return | Value a year | Why it fits |
|---|---|---|---|---|
How the finder works
Each card's age and income rule comes from the bank's own eligibility text, the same text shown on its card page. A card drops out only when it publishes a rule you miss. Many cards publish no rule; they stay in and say so, and the bank decides.
Few banks publish a CIBIL cutoff. Where one does, we apply it. With a score under 650 or no credit history, unsecured approvals are rare, so we show cards issued against a fixed deposit. Between 650 and 750, those come first.
Value a year is what the card returns on a year of your spend, minus its annual fee. A spend you give an amount for earns the card's rate on it, read from the card's own terms (a stated %, points valued at the card's base rate, or a multiple of the base rate), the same rate My cards uses. The rest of your monthly spend earns the base return. Caps in the card terms hold the number down: a monthly cap in rupees or in points, a spend limit past which a category earns nothing, and a cap on the whole card. Points are valued at the card's base rate, so a card whose points are worth more when transferred to an airline returns more than shown. The fee counts as zero when your spend on the card clears the waiver.
Nothing you type leaves your browser. A shared link carries only the boxes, never the words you typed, and it sits after the # in the address, which browsers do not send to this site, to banks or to analytics. Anyone with the link sees those details. This is information, not financial advice.