NEWNow with 217+ cards across 17+ Indian banks

Discover
rewards that actually matter.

Card Perks is the rewards companion for Indian credit cardholders. See every cashback, milestone, and lounge perk hiding inside the cards already in your wallet — and find new cards worth applying for, in plain English.

Free forever·No bank login required
Card Perks — Card detail
Card Perks — Home
Card Perks — Lounges by city
What you get

Everything you need to unlock the rewards hiding in your cards.

From a co-branded HDFC card you forgot about to the lounge you didn't know your AU InstaPay covers — Card Perks brings every benefit into one calm, searchable place.

YOUR WALLET

Add your cards. See every perk on each one.

Add any of 200+ Indian credit cards from HDFC, Amex, ICICI, AU, SBI, KVB, DBS and more. We surface welcome benefits, cashback rates, milestones, lounge access and the fine print — in plain English. Browse the library →

811 Dream Different Credit Card
Adani One Platinum Credit Card
Adani One Signature Credit Card
BRAND OFFERS

Find which of your cards saves the most.

Search a brand — see only the cards in your wallet that earn there. See all brands →

Amazon
3 offers
BookMyShow
1 offer
EaseMyTrip
1 offer
LOUNGES

Airport & railway lounges, by city.

Lounges across India, mapped to the cards in your wallet that grant access. Browse cities →

HONEST REVIEWS

Pros and cons, written by someone who reads the T&C.

Every card comes with a candid breakdown — what it actually rewards, where it punishes, and whether it's worth its annual fee.

Pros (9)
  • Zero joining fee, second year onwards
  • Industry-first 5% cashback on Wholesale
Cons (8)
  • Capped at ₹2,000/month
  • Diners Club acceptance only
FAVORITES

Heart the cards & brands you actually use.

Quick access to your real wallet — not all 200.

Amazon Pay ICICI
Amex Gold
Taj Hotels
PRIVATE BY DEFAULT

We never see your card numbers.

Card Perks is read-only. We don't connect to your bank, don't read your statements, don't ask for OTPs. You add the cards you own, we show you what they do. That's the whole loop.

🔒
No bank login
We never ask for net-banking credentials, OTPs or CVVs.
📵
No statement scraping
Unlike money apps, we don't read your SMS or email.
🇮🇳
India-first
Built for Indian banks, RBI rules, MR points, and rupees.
How it works

Four taps from “I have a card” to “I'm using its perks.”

📱
Step 01

Sign up with your phone

Enter your mobile, verify with OTP. No emails, no passwords, no card numbers — ever.

💳
Step 02

Add the cards you own

Pick from 200+ cards across 28+ banks. Just the name — that's all we need.

🎯
Step 03

See your perks, by brand

Search Amazon, Taj, Flipkart — see which of your cards earn most, with the fine print spelled out.

🛋
Step 04

Find a lounge before your flight

Open Lounges, pick the city, see which of your cards open the door at every terminal.

CARD DETAILS, IN PLAIN ENGLISH

Stop reading 12-page terms & conditions.

Every card in Card Perks comes with a structured breakdown — welcome benefits, cashback caps, milestone rewards, lounge limits, foreign-markup, and a candid Pros & Cons list. The kind of summary you'd write a friend, except we wrote it for all 200+ cards already.

Welcome benefits, decoded
“Save 18% on hotel bookings via Diners Club” — translated into “you'll get this on bookings of ₹X within Y days.”
Cashback & milestone caps
Every “5% cashback” line includes the monthly cap, the categories included, and the categories that quietly aren't.
Joining & annual fee, year by year
Most cards waive year two. Some don't. We say so, in big text, before you apply.
Pros & Cons, candid
A list of green checks and red crosses for every card. No marketing copy.
See a sample card →
Card Perks — Card detail screen

India's most complete credit card library.

Every major Indian bank, every consumer credit card, every co-branded merchant offer worth knowing about. Updated weekly.

CREDIT CARDS
217
across consumer, business and co-branded segments.
BANKS COVERED
17+
from HDFC and Amex to AU Small Finance and SBI Card.
LOUNGES MAPPED
93
airport & railway, across India.
BRAND OFFERS
25+
from Amazon and Taj to BookMyShow and cult.fit.
PARTNERS & ECOSYSTEM

Cards from every Indian bank.
Offers from the brands you actually shop at.

American Express
American Express
AU Small Finance Bank
AU Small Finance Bank
Axis Bank
Axis Bank
Bank of Baroda
Bank of Baroda
DBS Bank
DBS Bank
HDFC Bank
HDFC Bank
HSBC Bank
HSBC Bank
ICICI Bank
ICICI Bank
IDBI Bank
IDBI Bank
IDFC FIRST Bank
IDFC FIRST Bank
Karur Vysya Bank
Karur Vysya Bank
Kotak Mahindra Bank
Kotak Mahindra Bank
Punjab National Bank
Punjab National Bank
RBL Bank
RBL Bank
Amazon
Amazon
BookMyShow
BookMyShow
EaseMyTrip
EaseMyTrip
Flipkart
Flipkart
MakeMyTrip
MakeMyTrip
Myntra
Myntra
Nykaa
Nykaa
FROM THE PLAY STORE

Cardholders are saving more without changing wallets.

★★★★★
“I had three credit cards I was barely using. Card Perks showed me the Amex Gold I'd been ignoring earns 4× MR points on dining. I've earned 12,000 points this quarter alone.”
RS
Ravi S.
Kota · 4 cards added
★★★★★
“The lounges screen alone is worth the install. I was about to pay for a day pass at BLR airport when the app reminded me my AU InstaPay covers it. Saved ₹1,200 on a single trip.”
MH
Manu R.
Mumbai · 6 cards added
★★★★★
“Finally an Indian app that doesn't ask for SMS access or net-banking. I add my cards, I see my perks, that's it. Refreshing in a market full of finance apps that want everything.”
RV
Rahul V.
Bhilwara · 3 cards added
★★★★★
“As a small business owner, the Flipkart Wholesale HDFC card review on this app saved me hours of T&C reading. Applied within minutes — the cashback caps were exactly as described.”
PS
Pavan S.
Pune · 5 cards added
★★★★☆
“Coverage on the railway lounges in Tier-2 cities is incredible. Found a lounge in Lucknow I had no idea existed, accessible with the SBI Elite I already had.”
NC
Nilesh C.
Mumbai · 7 cards added
★★★★★
“I switched from comparing cards across five different blogs to just opening this app. The Pros & Cons section is opinionated in a way that feels like a friend, not a marketer.”
PP
Pranav P.
Pune · 4 cards added
★★★★★
“I had three credit cards I was barely using. Card Perks showed me the Amex Gold I'd been ignoring earns 4× MR points on dining. I've earned 12,000 points this quarter alone.”
RS
Ravi S.
Kota · 4 cards added
★★★★★
“The lounges screen alone is worth the install. I was about to pay for a day pass at BLR airport when the app reminded me my AU InstaPay covers it. Saved ₹1,200 on a single trip.”
MH
Manu R.
Mumbai · 6 cards added
★★★★★
“Finally an Indian app that doesn't ask for SMS access or net-banking. I add my cards, I see my perks, that's it. Refreshing in a market full of finance apps that want everything.”
RV
Rahul V.
Bhilwara · 3 cards added
★★★★★
“As a small business owner, the Flipkart Wholesale HDFC card review on this app saved me hours of T&C reading. Applied within minutes — the cashback caps were exactly as described.”
PS
Pavan S.
Pune · 5 cards added
★★★★☆
“Coverage on the railway lounges in Tier-2 cities is incredible. Found a lounge in Lucknow I had no idea existed, accessible with the SBI Elite I already had.”
NC
Nilesh C.
Mumbai · 7 cards added
★★★★★
“I switched from comparing cards across five different blogs to just opening this app. The Pros & Cons section is opinionated in a way that feels like a friend, not a marketer.”
PP
Pranav P.
Pune · 4 cards added
Appslio Labs
A note from the studio

We build products people actually want to keep.

Appslio Labs is a product studio from Jaipur, India. We build our own consumer apps first — that's where our standards come from. Card Perks is our flagship: a rewards companion for Indian credit cardholders. Hundreds of cards, brand offers curated, airport lounges mapped. Free, no banking access required.

We started because the information existed — buried in 12-page PDFs and Reddit threads. Cardholders shouldn't have to be researchers. No VC money. No ads. No selling your data. We make money the old-fashioned way — when you find a card you actually want.

Appslio Labs LLP · Jaipur, India
Appslio
By AppslioA small product studio from India

Humans lead, AI keeps up.

We build our own products first — that's where our standards come from. Every screen, flow, and interaction is a human call. AI speeds up delivery — it doesn't make product decisions. Scaffolding, prototyping, boilerplate — AI handles the repetitive parts. We put the saved time back into making the product better.

The result: faster releases, fewer bugs, products that feel like someone actually thought about you — because we did. Privacy isn't a feature, it's the foundation. Card Perks works without your bank credentials.

More about the studio →

How we build

01
Start with a real problem
If it doesn't solve something real, we don't build it. Every project starts with a pain point we can actually verify.
02
Prototype quickly
The simplest version that proves the idea works. Real data, real flows — no placeholder screens.
03
Test with real people
Ship to a small group we trust. What they say in the first five minutes decides what stays, what goes.
04
Ship & improve
Go live, then keep going. Every update is shaped by how people actually use it, not how we imagined they would.
FAQ

Questions, answered.

Don't see yours? Visit the help center or email us at hello@cardperks.co.in.

Is Card Perks really free?
Yes. The app is free forever, with no ads inside it. We earn a small referral when you apply for a new card through us — that's our entire business model. You never pay anything.
Do I need to share my net-banking or card details?
No. Card Perks is read-only. We never ask for OTPs, CVVs, net-banking credentials, or your statement.
How current are the rewards rates and offers?
We update brand offers weekly and card terms within 48 hours of any bank announcement. Every card and offer page shows when it was last verified.
Which platforms is Card Perks available on?
iOS and Android, in India only. We're a small team and we'd rather do one country well than 50 countries badly.
Can I add a card that isn't in your library?
Yes — tap “Request a card” inside the app. We add the most-requested cards every two weeks.

Discover rewards
that matter.

Free forever. No ads. No SMS scraping. Just every card, every perk, every lounge — in one calm place.