Independent, math-first credit card intelligence that analyzes your actual spending to find the card that puts the most money back in your pocket — backed by verified data, not affiliate bias.
No guesswork. No bias. Just data-driven recommendations personalized to your spending.
Share your monthly spend across categories like groceries, dining, travel, fuel, and online shopping.
Our algorithm evaluates 212 cards against your pattern — calculating estimated rewards, caps, exclusions and fees based on available issuer rules.
See your top card with your personalized DhanChakshu Match score, estimated annual saving range, and confidence level.
Unlike other sites, DhanChakshu never lets affiliate commissions affect rankings. Our personalized scoring system gives you the full picture:
Personalized to YOU — how well the card matches your specific spending, habits, fee tolerance, and eligibility.
Objective card quality benchmark based on reward competitiveness, fee-to-value efficiency, perks, and caps.
Our exact optimization algorithm finds the perfect 2-card combo that routes each rupee to the highest-reward card.
Every card is researched against official issuer terms, and each card page shows which categories are still being verified.
Cashback
Rewards
Cashback / Rewards
Co-brand / Cashback
Co-brand / Cashback
Cashback
Reward rules are traced to official issuer T&Cs and MITC documents. Rules we could not fully verify are shown as pending, never assumed to be zero.
Rankings are never influenced by commissions. Period.
No login needed. All calculations run locally on your device and are never saved to a server.
Open scoring methodology. See exactly how every score is calculated.