About CardTrail

TL;DR — CardTrail exists because Indian consumers deserve credit card advice that isn’t secretly an ad. We score 183+ cards using a transparent, reproducible model. No bank pays us to rank higher.

Who We Are

CardTrail is an independent credit card research platform built for Indian consumers. We maintain a database of 183+ credit cards across 24 banks, each scored using our CardTrail Score methodology — a 4-dimension model that weighs net value, accessibility, feature depth, and bank trust.

We are part of PYT Co., a product company focused on building trustworthy financial tools for India.

Why We Built This

The Indian credit card market has exploded — over 100 million cards in circulation, dozens of new products every year. But most “comparison” sites are affiliate-first: they recommend whatever pays the highest commission.

We started CardTrail because we couldn’t find a single Indian resource that:

• Scored cards using a transparent, published formula
• Disclosed exactly how rankings are determined
• Put the consumer’s interest ahead of affiliate revenue

What Makes Us Different

Transparent scoring. Every CardTrail Score is computed from four published dimensions with fixed weights. You can verify our math. See our methodology →

No pay-to-rank. Banks cannot pay to improve their position. Our scores are calculated before any commercial relationship exists.

India-specific. We account for Indian spending patterns, RBI regulations, domestic lounge networks, forex markup structures, and reward point ecosystems that global comparison sites miss entirely.

Data-driven. Our database tracks joining fees, annual fees, reward rates, lounge access rules, forex markups, milestone benefits, and more — all verified against official bank documents.

Our Data

All card data is sourced from official bank websites, product brochures, and RBI disclosures. We update our database regularly and flag when terms change. If you spot an error, contact us — we fix data issues within 24 hours.

Contact

Have questions, corrections, or feedback? Reach us at [email protected] or visit our contact page.