Credit Card OS — Moneykar

Find Your Perfect
Credit Card Match

6 questions about how you spend — we'll tell you exactly which type of card maximises your money back.

Step 1 of 6
Step 1

What is your primary goal for a credit card?

This shapes everything — rewards, fees, and the type of card that makes sense for you.

💰

Get cash back

Earn money on everyday spending

Travel rewards

Earn miles, points, lounge access

📈

Save on fuel / groceries

Category discounts on regular bills

🎯

Build credit score

Establish or repair credit history

💳

EMI / big purchases

0% EMI on electronics, appliances

💼

Business expenses

Track spend, earn on vendor bills

Step 2

How much do you spend monthly in each category?

Rough estimates are fine — enter 0 if you don't spend in a category. Use your local currency.

Step 3

How often do you travel?

Includes domestic flights, hotel stays, or international trips.

🏠

Rarely / Never

I stay local most of the year

🚌

Occasionally

1–3 trips per year

🚁

Frequently

4–8 trips or monthly domestic

Heavy traveller

International trips, lounge access needed

Step 4

How do you plan to pay your bill each month?

This is the most important question — it determines whether fees and interest matter for you.

✓️

Full amount every month

I pay the entire bill — no interest

📈

Mostly full, sometimes partial

Occasionally carry a small balance

Minimum or partial payments

I carry a balance most months

💳

Convert to EMI

I prefer to spread large buys into installments

Step 5

What annual fee are you comfortable paying?

Higher-fee cards usually offer more benefits — but only worthwhile if you use them.

🆕

Free / Zero fee only

No annual fee cards only

💰

Low fee (up to ₹1,500 / $25)

Small fee if benefits clearly exceed it

💸

Mid-range (up to ₹5,000 / $100)

Happy to pay for good rewards

💎

Premium (₹5,000+ / $200+)

I want top-tier lounge + concierge benefits

Step 6

A few last details

Helps us give country-specific card type advice and size the estimated benefit correctly.

🤖