Card PilotOptimize Now

Real-time card recommendations

Which credit card should
you use, right now?

Pick a merchant, enter your spend, and we'll show you the top Indian credit cards for this purchase — ranked by actual rupees back.

18 merchants24 active cardsSources cited

Better than free

+₹4,200/yr

Where are you spending?

Amount (₹)

🥇ICICI· Lifetime free

Amazon Pay ICICI

5% cashback for Amazon Prime members on Amazon.in (3% for non-Prime), credited to Amazon Pay balance

₹250

5.00% back

🥈SBI· ₹999 annual

SBI Cashback

5% cashback on online shopping (Amazon, Flipkart, etc.), capped at ₹5000/month

₹250

5.00% back

🥉HDFC· ₹12,500 annual

HDFC Infinia Metal Edition

5 Reward Points per ₹150, redeemable at ₹1/point on Smartbuy flights & hotels

₹167

3.33% back

Show 2 more cards

HDFC Diners Club Black

5 Reward Points per ₹150, redeemable at ₹1/point on Smartbuy flights & hotels

Axis Bank Atlas

2 EDGE Miles per ₹100 on regular spends. ₹99 fee per redemption.

Free tools

Each tool answers one question with a number.

Redeem points

What is your point balance actually worth? Ranked by ₹ across every redemption path.

Lounge access

Search by airport (BLR, DXB) — see which of your cards work there.

Best forex card

Plan a trip; rank cards by net cost including DCC traps and ATM penalties.

Eligibility check

Pre-qualifier with an honest 'avoid' bucket. Soft check only — no CIBIL hit.

The point of this site

Real-time optimization. Zero friction.

Every Indian credit card has different reward rates, caps, and blackout merchants. CardPilot cuts through the matrix and tells you which card to swipe — for this merchant, this amount, right now.

Merchants tracked: 18
Active cards: 24

Popular merchants

Sources cited per recommendation. Last verified: 28 Apr 2026.