Your spending. Your benefits. The right card.

It works out what each card on record would pay you on your own monthly spending: rewards by category after caps and exclusions, less the joining or annual fee with GST, less forex and redemption costs, plus any fuel surcharge waiver. Hard requirements you set, such as lifetime free or RuPay, remove cards first. The Personal Fit Score then weighs that value with how well the card matches your categories, its fees and restrictions, the benefits you asked for and your preferences.

No. The plain-language box is read by rules that run in your browser and turn a sentence into amounts and preferences, which you can then correct. The recommendation itself is arithmetic on card records, not text written by a model. Nothing you type is sent anywhere.

Anything about cards: a name such as Millennia or Atlas, a bank, a benefit such as lounge access, lifetime free, low forex markup, movies or golf, a kind of spending such as fuel at IndianOil or IRCTC tickets, a fee limit, your income, or amounts like ₹20,000 a month on Amazon. Matches update as you type; with amounts, the cards are ranked by what each would pay you after fees.

Only from the issuer’s own documents: the product page, the Most Important Terms and Conditions, the schedule of charges and the reward terms. Each figure is stored with the exact sentence it was copied from, the link and the date it was checked. A figure that could not be found in an official document is shown as missing, never estimated.

It does not pull any credit report and asks for no PAN or bank details. Where an issuer publishes minimum criteria such as age or income, CardWise compares them with what you chose to enter and says whether they appear to be met. Approval is always the issuer’s decision.

Most cards charge a joining fee in the first year and an annual fee from the second, often waived above a spending threshold. Welcome benefits apply once. CardWise shows the recurring value from the second year as the headline and the first-year figure separately.

Then the comparison does not apply to you. Rewards are worth one or two per cent of spend; interest on a revolving balance and late payment charges cost far more. Pay the full statement balance by the due date before choosing a card for its rewards.

Yes. Type ICAI, chartered accountant, ICSI, ICMAI, army, navy or defence in the search box to list the cards issued only to that group; each says who may apply, quoting the issuer. They are ranked for you only if you say you belong, in the eligibility step or in your own words, because nobody else can get them.

Each card shows the date its official terms were last checked. Records older than four months are marked as ageing and older than eight months as needing verification, and they lose confidence accordingly.