Three steps to maximize every swipe
No sign-up needed. Select your cards and get instant recommendations.
Best credit cards of 2026
Real cashback math — not bank-advertised rates. One winner per category.
Axis ACE Credit Card
Axis Bank
Unmatched 5% on utility bills via Google Pay. 4% back on Swiggy, Zomato, and Ola. Solid 1.5% base. ₹500/mo cap means pair with another card for heavy spend.
Amazon Pay ICICI Card
ICICI Bank
5% with Prime, 3% without. Rewards as Amazon Pay balance — no points to convert. No fee, no cap, instant issuance. Only 1% outside Amazon.
HDFC Infinia
HDFC Bank
Highest flat rate in India. Up to 33% on SmartBuy travel. Unlimited lounge worldwide. Invite-only, ₹8L+ income, fuel excluded.
HDFC Millennia
HDFC Bank
5% on Swiggy, Zomato, Amazon, Flipkart, Myntra, Uber, BookMyShow + more. Widest partner list in India. ₹1K/mo cap on 5% categories.
Four free tools. Real math.
Each one answers a different credit card question.
Smart Swipe Guide
Select your cards and spending. See the best card for every category — with real cashback after caps.
Try it free →Stack Builder
Find the optimal 2 or 3 card combo. We test every possible combination from 25 cards for max savings.
Build stack →Card Gap Finder
Find categories where better cards exist. See the exact ₹ you're leaving on the table per year.
Find gaps →Swipe Check
Pick a merchant — Swiggy, Amazon, Zomato, petrol — get top 3 cards with pro tips.
Check merchant →Compare Cards
Visual head-to-head with bar charts, category scores, and auto-generated verdict.
Compare now →Why people trust Assure Fintech
What our users say
"Finally someone showing REAL cashback rates. 1.33% on Regalia was a shock — but I trust this more than sites showing 5%."
"The cap calculator is brilliant. I was spending ₹20K on bills thinking I'm earning 5% — turns out only first ₹10K counts."
"Showed my husband we were losing ₹8K/year using wrong cards. He applied for Axis ACE that same evening."
What changed this month
We track reward changes so you don't have to.
Base rate confirmed at 1.33% effective. SmartBuy up to 13.33% on travel.
Monthly cashback cap is ₹500. After ₹10K utility spend, effective rate drops to 1.5%.
10% on Swiggy with ₹1500/mo cap. 5% on online categories. Better than originally listed.
Effective cashback rates now verified from bank product pages, including cap calculations.
Confirmed: 5% Prime, 3% non-Prime, 2% partners, 1% other. No cap. Lifetime free.
Swiggy orders under ₹150 don't qualify for credit card cashback on most cards. Always check minimum transaction limits.
New tip every few seconds
How we calculate
Formula: (Points × Value) ÷ Spend × 100 = Effective %
When a card has a cap, we calculate your actual rate at your spending level.
11 of 25 cards verified from bank pages. Unverified clearly labeled.