Welcome to Cardsgenie
Compare 96 cards across 18 banks. Get real reward rates, points values,
airline partners, and personalised recommendations.
Browse by Spend Category
Find cards optimized for your biggest spend areas
In-Depth Card Reviews
Detailed reviews with reward breakdowns, benefits, fees & eligibility for every card
Personal Credit Cards
Compare all personal credit cards from top Indian banks
Business Credit Cards
Credit cards tailored for businesses, freelancers & self-employed professionals
⚖️ Compare Credit Cards
Select 2–4 cards to see a detailed side-by-side breakdown
What Are Your Points Worth?
Real rupee value for every bank’s reward currency — plus airline transfer partners and conversion ratios.
🔍 Best Card Finder
Enter your monthly spend — we’ll calculate exactly which card earns you the most rewards
Step 1 — Your Monthly Spend
Enter approximate spend per category (₹/month)
Step 2 — Card Type & Preferences
Choose personal or business, set your max fee
🛋️ Airport Lounge Finder
Find airport lounges in India & worldwide — see which credit cards grant access, Priority Pass details, amenities & more
Krishna Prasad M
Hi, I'm Krishna Prasad — the person behind Cardsgenie. My credit card journey began in 2012 with a Citibank card, and what started as a simple spending tool quickly became something far more interesting: a passport to free flights, complimentary hotel stays, and airport lounges I once thought were reserved for someone else.
Over 13 years, I've lived the full arc — accumulating points without a plan, then learning to squeeze every rupee of value from each swipe. That shift in perspective changed how I think about money, travel, and lifestyle.
🎯 My Expertise
📖 My Story
India's credit card landscape has exploded over the past decade. Banks are launching exciting new products — from premium travel cards with international lounge access to everyday cashback cards with best-in-class reward rates. But with that explosion of choice comes an overwhelming amount of noise: marketing copy designed to impress rather than inform.
That's why I built Cardsgenie. I wanted a place where the numbers are real, the comparisons are honest, and the advice is written for actual cardholders — not for affiliate commissions. Every review, reward rate, and lounge listing here is researched and verified by me personally. No sponsored content, no hidden rankings, just straight talk.
Here's what I truly believe: you probably already have a great card — you're just not using it to its full potential. Most people redeem points for cashback or vouchers and never discover that the same points could have paid for a business class upgrade or a five-star hotel night. I want to change that, one reader at a time.
Whether you're picking your very first card, building a travel-optimised wallet, or just trying to understand why your points expire — I'm here to help you navigate it all.
💡 My Philosophy
Credit cards are tools, not traps — but only if you understand them. Used wisely, a credit card is one of the most powerful financial tools available to Indian consumers: free travel, cashback on everyday spending, purchase protection, and access to premium services at no extra cost. Used poorly, it's a debt spiral. Cardsgenie exists to tip the balance firmly toward the former.
📧 Get in Touch
Have a question about a specific card? Spotted something wrong? Want to share your own reward story? I genuinely love hearing from readers. Drop me a line at mkpkvp@gmail.com and I'll get back to you personally.