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Customer Testimonials

Read what our users have to say about us

Gaurav Jain

MyRupaya's platform has truly transformed my financial journey. I have never felt more empowered and in control of my money.

Kevin Monterio

I can't thank MyRupaya enough for their exceptional services. They have helped me make informed financial decisions and achieve my goals.

Myrupaya’s Credit Card Database

  • The Myrupaya platform brings together all the credit cards available in India in one simple platform, so users don’t have to search across multiple websites or banks. Every card is reviewed carefully and given an AI-powered score, which is built on a robust mathematical model. Instead of showing random ratings or sponsored results, we use hard data points like reward rate, cashback value, movie benefits, and other benefits to compute the score.
     

  • We are making the criteria used to judge the credit cards public on our site. This will ensure that there is no doubt in the mind of users about the objectivity of our platform. The mathematical model developed by us ensures that the AI score is fair, transparent. We regularly update the AI Score whenever banks change their reward programs, partnerships, or benefits. 
     

  • Through this AI score, users can clearly see how each card stands in comparison with others, not just on surface level but at a micro level, diving deep into different data points like cashback, movie benefits, milestone benefits, etc. By combining all cards with a reliable AI score, Myrupaya makes it easier for people to make confident financial decisions and choose the card that provides them with the maximum rewards.

AI Criteria For Judging Credit Cards

  • Cashback                                                                                                                                                                                                                                        Cashback has 50% weightage. Any credit card giving 5% or above cashback will get 50 points out of 50 points for cashback. Card giving 4 % cashback will get 40 points out of 50 points for cashback. Card giving 3 % cashback will get 30 points out of 50 points for cashback, so on and so forth. Out of 100 we have given 50% weightage to cashback because of its importance to middle-class indians. Most middle-class individuals are looking for credit cards that can help them save through cashback when they are shopping.     
     

  • Airport Lounge Visit                                                                                                                                                                                                                      Airport lounge visit has been given a 10% weightage. Any credit card giving 16 free domestic airport lounge visits or above in a year will get 10 out of 10 score. Card giving 8 visits in a year will get 5 out of 10, so on and so forth. Most middle class indians undertake air travel atleast once a year. Free airport lounge visits help them in saving thousands of rupees given the high cost associated with airport food.                                                                                                                                                                                                                                                                                                                        

  • Movie Benefits                                                                                                                                                                                                                                Movie benefits have been given a 10% weightage. Any credit card giving free tickets worth INR 500 per month will get a 10 out of 10 score. Card giving benefits worth INR 250 will get 5 out of 10, so on and so forth. Most middle-class indians watch one or two movies a month. Movie discounts help them in saving a substantial amount when we look at the movie discount savings cumulatively in a year.                                                                                                                                                                                                                                                                                                           

  • Dining Benefits                                                                                                                                                                                                                               Dining benefits have been given a 10% weightage: Any credit card giving 10% discount on food delivery/dining or above gets a score of 10 out of 10. Cards giving 5% discount on food delivery/dining will get 5 out of 10, so on and so forth. An average middle-class indian family eats out atleast 3 times a month. Dining discounts help them in saving a substantial amount of money every time they dine out or order food.                                                                                                                                                                                                                                                                                                

  • Interest                                                                                                                                                                                                                                           Interest has been given a 10% weightage. Any credit card charging 0.75% per month (9% yearly) or below will get 10 points out of 10 points. Any credit card charging 1.5% per month (18% yearly) will get 5 points out of 10 points, so on and so forth. Many individuals use credit card as last gasp measure for liquidity in case of cash crunch, in such scenarios, the interest rate charged by the credit card becomes highly important.                                                                                                                                                                                                             

  • Milestone Benefits                                                                                                                                                                                                                              Milestone Benefits have been give a 10% weightage. Any credit card giving milestone benefits worth INR 20,000 in a year or more will be given 10 out of 10 points. A card giving milestone benefits worth INR 10,000 should be given 5 out of 10 points, so on and so forth. Milestone benefits are rewards/ gift vouchers given by credit card companies to credit card holders on achieving certain spending milestones.

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Illustration Of Attesting Score To A Credit Card Basis MyRupaya’s AI Ciriteria

Card Features:

  • Cashback: 4% on all purchases

  • Airport Lounge: 12 free visits annually

  • Movie Tickets: INR 400 worth of benefits monthly

  • Dining: 8% discount on food delivery

  • Interest Rate: 1.2% monthly (14.4% annually)

  • Milestone Benefits: INR 15,000 annually                                                                                  

Score Calculation:

  • Cashback Score: 40 points (4% cashback)

  • Airport Lounge Score: 7.5 points (12 visits = 12/16 × 10)

  • Movie Tickets Score: 8 points (INR 400 = 400/500 × 10)

  • Dining Score: 8 points (8% discount = 8/10 × 10)

  • Interest Score: 6.25 points (1.2% = (1.5-1.2)/(1.5-0.75) × 5 + 5)

  • Milestone Score: 7.5 points (INR 15,000 = 15,000/20,000 × 10)                                                                                                                                                      Total AI Score: 77.25 out of 100

User Benefits And Practical Applications

Myrupaya's comprehensive AI score of all the credit cards in India offers numerous advantages to users:

  1. Informed Decision Making: Users can compare cards objectively using the AI score, eliminating confusion and marketing bias.

  2. Time Efficiency: Instead of researching dozens of websites, users access all information in one centralized platform.

  3. Personalized Recommendations: The scoring system helps users identify cards that align with their spending patterns and lifestyle needs.

  4. Cost Optimization: By understanding true benefits versus costs, users can select cards that maximize their financial returns.

  5. Transparency: The mathematical scoring methodology ensures complete transparency in the evaluation of cards.

Conclusion

By relying on MyRupaya’s AI score of credit cards, one can make an objective decision in relation to credit card selection. Credit card review on other portals are often clouded due to commission and ulterior interest. In case of MyRupaya public criteria of credit card ensures that there is 100% transparency in credit card scoring and recommendation.

Apart from AI score certain other features of MyRupaya platform are as follows:

  1. Smart Discount & Offer Discovery: You can search for your card and instantly see what discounts are available. You can use MyRupaya to find airline discount, food delivery discount, bus discount, train discount, movie ticket discount etc.                                                                                                                                                                                                                                                                                                                                                                

  2. Comparative Insights: Our platform makes it easy to compare cards side by side. You can see their AI scores, reward details, and benefit breakdown clearly. This helps you choose the right card without confusion.                                                                                                                                                                                                                                                                                                                                                                             

  3. Deep Analysis: Credit card reviews on MyRupaya do deep dive on various features of credit cards such as welcome benefits, dining benefits, movie benefits, cashback rate. As a user if you are looking for a specific feature such as dining discount, you can study our analysis of the credit cards and decide accordingly.

Experience the largest collection of financial product reviews and unbiased analysis, backed by reputed institutes.

Discover the Power of MyRupaya Platform

Discover the Power of MyRupaya Platform

AI Scoring Criterion

MyRupaya’s Unique AI Score of All Credit Cards In India

MyRupaya is India's first AI-powered unbiased credit card exploration platform and credit card discount engine. We have created a database of all the credit cards in India by reviewing all the credit cards in India and have posted detailed reviews of the same on our website.  

                   

What sets apart the reviews undertaken by us from the reviews posted on other websites is the unbiased nature of the reviews. We uses artificial intelligence to rate and review credit cards objectively. Each credit card has been given a score out of 100 on the basis of its strengths and weaknesses. We have elaborated on the criterion developed by us below.   

       

This score is prominently displayed along with every card on our site, helping users to quickly understand and compare the real value, rewards, and benefits the card offers, especially for features like discounts, cashback, and milestone benefits.

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