Built for Indian cardholders who want the truth
Most card comparison sites in India are paid to push certain cards. Swypewise is different — we score every card on one thing only: how much money it puts back in your pocket.
Why we built this
India has hundreds of credit cards. Most comparison tools either list them alphabetically or rank them by whoever paid the highest referral fee. Neither helps you find the card that actually suits your life.
We built Swypewise to answer one simple question: given how I actually spend money, which card earns me the most?
The answer is different for everyone. A frequent flyer needs a different card than someone who spends most of their money on Swiggy and Amazon. Our recommender does the maths so you don't have to.
50+
Cards compared
6
Spending categories
Monthly
Data updates
0
Affiliate commissions
Our methodology
How we turn raw card data into a personalised recommendation.
We collect real card data
Our team researches every major Indian credit card — reward rates, fees, lounge access, welcome bonuses, and eligibility criteria — directly from bank websites and official terms.
You tell us how you spend
Our recommender asks about your monthly spending across dining, travel, fuel, shopping, and groceries. No personal details, no sign-up required.
We calculate your net annual value
For each card, we estimate the rewards you'd earn based on your spending pattern, then subtract the annual fee to give you a clear rupee figure.
We keep it current
Card terms change. We review our database monthly to reflect the latest reward rates, fee waivers, and new card launches.
Why you can trust us
We've designed Swypewise to be the tool we wished existed when we were choosing our own cards.
No affiliate bias
We don't earn commissions from card issuers. Our rankings are based purely on the numbers — whichever card earns you the most wins.
No personal data collected
The spending inputs you enter never leave your browser. We don't store, sell, or share any information about you.
Transparent methodology
Every score is calculated using the same formula. We show you exactly why a card ranked where it did — no black boxes.
Real card data, real terms
All reward rates, fees, and benefits are sourced from official bank websites. We link directly to the issuer's apply page.
Common questions
Is Swypewise free to use?
Yes, completely. There are no fees, no sign-ups, and no premium tiers. Every feature — the recommender, comparison tool, and card listings — is free.
How do you make money?
We don't currently monetise. Swypewise is built to be a genuinely useful tool for Indian cardholders. If we ever add revenue streams, we'll be transparent about them and ensure they don't influence our rankings.
How often is the card data updated?
We review the full database monthly and update individual cards whenever we're notified of a change. Always verify the final terms on the issuer's website before applying.
Why don't you cover every card in India?
We focus on cards with clear, publicly available reward structures. Cards with opaque or highly variable terms are excluded until we can represent them accurately.
Can I trust the reward estimates?
The estimates are indicative — they assume you spend consistently across categories and that all transactions qualify for the stated reward rate. Actual rewards may vary based on merchant category codes, caps, and exclusions.
Ready to find your card?
Takes under a minute. No sign-up. No personal data.