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Independent research
ABOUT · PERKPILOT

Credit card research, done properly.

PerkPilot explains India's premium credit cards: which one you can get, which one to get next, and how to squeeze it. The scoring engine is how we keep every guide honest: the same pure function ranks every card, and you can inspect its inputs on any card page.

Updated April 2026 Independent — not affiliated with any issuer Data is current
01 WHAT WE DO

The product in one paragraph.

Credit card marketing is noisy — every issuer claims theirs is "best," the fine print hides fee traps, and reward rates read differently depending on how you spend. PerkPilot cuts through it by modeling each card's value against a transparent scoring engine, so you can see what a card actually earns for someone like you before you apply.

We cover personal credit cards issued in India, verified against the issuer's current product page and cross-checked against CardExpert, PaisaBazaar and CardInsider. Every card is scored by the same pure function that ships in our codebase. No black boxes, no paid placement, no "promoted" cards above the fold.

02 WHAT WE COVER

The scope of the catalogue.

COUNTRY India Personal credit cards from the major Indian issuers.
DATA VERIFICATION Monthly Fees, reward rates, eligibility — cross-checked against official sources.
SCORING Pure & public Deterministic math, unit-tested, traceable from number to source.
EDITORIAL STANCE Independent Affiliate links never influence score-based ordering.
HOW WE KEEP THIS CURRENT

Last verified April 2026. Sources: Official issuer websites, CardExpert, PaisaBazaar, CardInsider, BankBazaar. Next scheduled review: Ongoing.