About DhanChakshu
DhanChakshu is a product by Just Adbhut. We built DhanChakshu to solve a simple problem: credit card rewards are too complex to calculate manually, and most online recommendations are driven by affiliate payouts rather than actual math.
Our approach is math-first. We ask you how you spend, and our engine calculates which card yields the highest net value after subtracting fees.
Local-First Privacy Architecture
We believe your financial data should stay yours. DhanChakshu is designed around a strict local-first architecture:
- Calculations occur in your browser: Your spending profile is never sent to our servers for calculation.
- No user accounts: You don't need to sign up or provide an email address.
- No Save Analysis / Share Results: We intentionally omit features that would require storing your data in a database.
- Privacy-conscious analytics: DhanChakshu uses privacy-conscious analytics to understand aggregate website and product usage. Financial analyzer inputs and recommendation results are not intentionally sent as analytics event data.
Our Current Scope
To ensure accuracy, the DhanChakshu V1 engine currently supports exactly 50 verified credit cards. We also support a Two-card Smart Combo feature, which mathematically finds the best two-card pairing for your wallet.
Transparency & Disclaimers
- Recommendations are estimates: Our engine provides analytical estimates. We do not guarantee approval or exact reward payouts.
- Issuer terms prevail: Banks can and do change their reward structures. The official issuer MITC (Most Important Terms and Conditions) is the final authority.
- Independent Ranking: While we may earn affiliate commissions on some cards, affiliate compensation does not determine a card's score, ranking, or recommendation.