CardAgent vs CardGuru
CardGuru positions itself as a credit card discovery and comparison tool. CardAgent goes further with a single transparent scoring framework across all cards and a per-purchase wallet optimiser.
| Feature | CardAgent | CardGuru |
|---|---|---|
| Scoring framework | Single unified 4-bucket score visible on every card | Aggregated star ratings, criteria not always shown |
| Reward-math transparency | Every rule shown with rate × point value and effective % | Marketing summary only |
| Per-purchase optimiser | Yes, uses YOUR wallet | No |
| Fee transparency | Fees shown inclusive of 18% GST (what you actually pay) | Base fee only |
| Debit cards | Yes | Credit cards only |
| Data verification tags | Verified / corroborated / draft — visible per card | Not exposed |
Where CardAgent wins
- •Every score is auditable; you can see the formula and dispute values
- •Wallet-aware recommendations for real purchases, not generic 'best of' lists
- •Fees shown GST-inclusive so you compare like-for-like
Where CardGuru wins
- •Longer editorial history and card review depth
- •Bank application flows integrated
FAQ
What's the biggest difference?
CardAgent's scores are reproducible from published weights; CardGuru's ratings are editorial. And CardAgent recommends between cards in YOUR wallet for a specific purchase — CardGuru does not.
Are the card lists the same?
Largely overlapping — both cover major Indian credit cards. CardAgent additionally includes debit cards and legacy / discontinued cards for reference.
Try CardAgent
Free. See any card's transparent score, or add your wallet and ask "Zomato ₹800" to get the best card for the next purchase.