What is CardAgent?
CardAgent is a free, independent India-first platform that scores 240+ Indian credit and debit cards on a single transparent framework and recommends the best card in your wallet for any purchase.
CardAgent scores 240+ Indian debit and credit cards on a single transparent framework, then tells you which card in your own wallet is best for the next thing you buy.
Reward value, fee efficiency, redemption flexibility, and perks — weighted openly for every card, with the math visible on each card page.
Every entry is either admin-verified or auto-corroborated across multiple public reference sources. Nothing goes live from a single blog post.
Tell it 'Zomato ₹800' — it picks the best card in your portfolio and shows remaining monthly cap.
Ranked by the CardAgent unified score.
Recent Indian credit card changes worth knowing about.
Every Indian credit card runs on one RBI rulebook. Here are the rights it actually gives you in 2026 — activation consent, capped late fees, free card closure with ₹500-a-day compensation — and the exact escalation when a bank breaks one.
SBI Card has quietly capped reward points on its PhonePe co-branded cards and cut a long list of categories to zero. If you carry a PhonePe SBI Card SELECT BLACK or PURPLE, here is what changed on 1 July 2026 and which CardAgent-listed alternatives are worth a look.
Bank of Baroda is quietly reworking BOBCARD's premium cards: costlier interest, no more accidental death cover, conditional HPCL fuel rewards, and a doubled lounge-access spend bar. Here is the full timeline and what it means if you hold an Eterna or Tiara card.
Quick answers about how CardAgent scores Indian credit and debit cards.
CardAgent is a free, independent India-first platform that scores 240+ Indian credit and debit cards on a single transparent framework and recommends the best card in your wallet for any purchase.
Every card is scored across four buckets with fixed weights: reward value (70%), fee efficiency (12%), redemption flexibility (9%), and perks (9%). The exact formula is published on each card page and all fees are shown inclusive of 18% GST.
Yes. CardAgent is fully free. We do not earn per-application commissions from banks, which keeps rankings independent.
The best card depends on where you spend. CardAgent ranks cards by an overall unified score and also publishes category-specific lists — Amazon, Flipkart, Zomato, fuel, travel and more — at /best-cards-for.
Unlike lead-generation portals, CardAgent does not earn commissions on card applications. Scores are computed from a published formula, fees are GST-inclusive, and every card is either admin-verified or auto-corroborated across 3+ public sources.
Add the cards you own and ask a natural-language question like 'Zomato ₹800' — the agent picks the best card in your wallet for that purchase and shows remaining monthly reward caps.