About PlasticMoney
Helping Indians make smarter credit card decisions since 2024
Our Mission
Credit cards in India are confusing. Banks throw around terms like "reward points," "accelerated benefits," and "milestone bonuses" without explaining the real value. We built PlasticMoney to cut through the noise.
Our goal is simple: help you find the credit card that actually matches your spending. No affiliate bias, no hidden agendas—just honest, data-driven comparisons.
What We Do
Real Data, Real Value
We calculate effective reward rates by analyzing point values, redemption options, and spending categories. No inflated numbers.
Side-by-Side Comparisons
Compare any cards head-to-head on fees, rewards, lounge access, and more. See exactly which card wins for your use case.
Personalized Recommendations
Our Card Finder quiz and Rewards Calculator help you find cards based on YOUR spending patterns, not generic advice.
Honest Warnings
We highlight the downsides too—reward caps, exclusions, devaluations. You'll know exactly what you're signing up for.
Our Methodology
Every card on PlasticMoney is researched and verified. Here's how we evaluate:
- ✓Fees: Annual fees, joining fees, waiver conditions, forex markup
- ✓Rewards: Base rates, accelerated categories, point values, redemption options
- ✓Benefits: Lounge access, insurance, concierge, milestone rewards
- ✓Eligibility: Income requirements, credit score, age limits
- ✓Fine Print: Exclusions, caps, restrictions that banks don't highlight
Data is updated regularly based on official bank communications and user reports.
Editorial Independence
PlasticMoney may earn revenue through affiliate partnerships when you apply for cards through our links. However, this never influences our rankings or recommendations.
Our ratings are based purely on card features and value. We recommend cards we wouldn't earn from if they're genuinely better for you. Period.
The Team
PlasticMoney is built by a small team of finance enthusiasts and credit card nerds who got tired of misleading "best card" lists. We've personally held and tested dozens of cards across HDFC, Axis, SBI, ICICI, Amex, and more.
Have questions or feedback? We'd love to hear from you.
Contact Us