Stop leaving rewards on the table. Our optimizer tells you exactly which card
to swipe for dining, travel, shopping & more to extract maximum value.
Add your cards, set your spend, and we'll tell you exactly which card to use. Stop leaving rewards on the table.
Amazon, Flipkart, Myntra
Swiggy, Zomato, Restaurants
MakeMyTrip, Cleartrip, Airlines
HP, IndianOil, Bharat Petroleum
Cards ranked by reward optimization potential in each category. Explore all cards to build your optimal rewards stack.
Stay updated with the latest offers, guides, and credit card tips.
Most sites tell you which card to get. We tell you how to maximize rewards from cards you already have.
Every rating is derived from a weighted combination of 5 component scores across 24 leaderboards
The Reward Maximizer is our smart tool that tells you exactly which card to use for every purchase. Add your credit cards to your dashboard, and it analyzes reward rates across 9 spending categories (dining, travel, shopping, fuel, etc.) and 300+ brands. It factors in monthly reward caps, so you know when to switch cards. The result? Maximum rewards on every purchase without the guesswork.
Our rankings are algorithm-driven, not editorial picks. Every card is scored using a weighted formula across 5 components:
Cards are ranked across 24 leaderboards. A 4.5-star rating means the card is in the top 12.5% of all cards we track.
No. Our ratings are computed algorithmically and cannot be influenced by any credit card company. We don't accept payment for higher ratings or better positions in our leaderboards. While we may receive compensation for some product placements, our ratings remain strictly objective and based on the actual card features and value.
The Reward Maximizer works with cards you already have. Here's how to get started:
Our optimization engine updates in real-time when card features change. When a bank modifies reward rates, category bonuses, or monthly caps, our algorithm recalculates instantly. This means your card recommendations are always based on current data - not outdated information from months ago.
Yes. We never ask for or store your credit card numbers. The Reward Maximizer only needs to know which cards you own - not your card details. Your account data is encrypted and never shared with third parties. You can delete your account and all associated data at any time.
At Card Nitty, we deeply value your privacy. Your personal and financial information is treated with the highest level of confidentiality, employing stringent security measures to ensure it remains well-protected. We're committed to fostering a trusting relationship, where your data's security is a fundamental aspect of our service.
