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Field guide / Credit cards

A card has to earn its place in your wallet.

Take last month's spending. Count the rupees each card would have returned, subtract its fee, then remove every transaction the issuer excludes. That is the comparison worth making.

Compare cards Find my direction

Start with the job

What should your next card do?

Pick a lane to narrow the comparison. You can change filters whenever you like.

01

Cashback

For groceries, shopping and everyday online spend.

02

Travel

For miles, direct bookings and redemption partners.

03

Airport lounges

For useful visits—not just a promotional number.

04

First card

For building history without unnecessary complexity.

05

Food & groceries

For delivery, dining and supermarket spending.

06

Named reviews

For fees, exclusions and Motabhai’s verdict.

The issuer ledger

Every card we're tracking.

Browse the complete research roster by bank, network or card name. An issuer listing is not a recommendation: fees and features enter comparisons only after a separate editorial check.

364cards found
CITI / INDIA

Citi's Indian consumer business migrated to Axis Bank. No newly issued Citi consumer card is counted as active in this directory.

The five-line filter

Five checks before you apply.

Check eligibility, yearly cost, the rupee value of each reward, caps and excluded transactions. Then look at redemption rules. A joining bonus cannot rescue a poor fit.

Understand credit cards from zero
01

Annual fee

Can your normal spending recover it—without chasing milestones?

02

Reward value

What is each point actually worth when you redeem it?

03

Caps & exclusions

Which transactions earn less, earn nothing, or hit a monthly ceiling?

04

Eligibility

Do the issuer’s income, age, city and credit-profile rules fit?

05

Redemption

Can you use the value easily, or is it locked behind narrow partners?

Build your shortlist

Put the fine print side by side.

Open comparisons