About CardGenie

An independent, zero-bias credit card comparison platform built for Indian consumers who deserve honest, data-driven advice.

What is CardGenie?

CardGenie is an independent credit card comparison tool. We do not work for any bank, we are not paid to rank cards, and we do not let affiliate relationships influence our ratings.

Every card is evaluated using our 10-factor GenieScore algorithm — a transparent, formula-based rating that scores reward rates, fees, UPI rewards, lounge access, forex markup, fuel waivers, income accessibility, and fee waiver ease. The algorithm is the same for every card. No exceptions.

Zero Paid Rankings

No bank or card issuer pays us to rank higher. Period.

Disclosed Affiliates

Apply links may be affiliate links. Always disclosed. Never affects scores.

Algorithmic Only

GenieScore is computed by formula, not editorial opinion.

Built for India

UPI rewards, RuPay, BPCL cards, ₹ math — every Indian quirk covered.

How GenieScore Works

GenieScore is a 100-point composite score computed from 10 weighted factors:

Reward Generosity25 pts

Fee Value15 pts

UPI Rewards10 pts

Fee Waiver Ease10 pts

Lounge Access8 pts

Income Accessibility8 pts

Forex Markup7 pts

Popularity Signal7 pts

Joining Fee5 pts

Fuel Waiver5 pts

Contact

Found incorrect card data? Have a question? Want to report a bug? We read everything.

support@cardgenie.in

Data corrections are prioritised. Please include the card name and source (e.g., bank KFS PDF link).

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