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Money, made clear

Koshfin helps you pick the right credit card, loan or savings account, work out your tax, and understand the money news that affects you. All free, in plain English.

  • 100 cards compared
  • No paid rankings
  • No data saved

What would you like to do?

Find my best card3 quick steps to your top picks Compare cardsPut two cards side by side on your spends Work out my taxNew vs old regime, in seconds Read money newsShort daily updates, explained simply

Or browse all 100 credit cards · open a savings account

Avail loansPersonal loans, instant loans and credit lines from 20 lendersHDFC Bank · Axis Bank · Bajaj Finserv · Tata Capital + 16 more
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Ask Kosh: quick card picks

Tap what sounds like you. Get 2 to 3 cards that fit, in seconds.

Get a full match →

Best cards for 2 trips abroad a year

Look for a 0% forex markup (most cards add 3.5% to every foreign spend) and lounge access.

Kosh recommends

Scapia

Lifetime free

0% forex markup · unlimited domestic lounges in months you spend ₹20,000

Why: Pay nothing extra abroad and no annual fee.

DetailsApply

IDFC FIRST Ashva

₹2,999 a year

0% forex markup · up to 8 international and 16 domestic lounges (₹20,000 monthly spend)

Why: Lounges on both trips plus no forex fee.

DetailsApply

HDFC Regalia Gold

₹2,500 (waived at ₹4 lakh a year)

2% forex markup · 6 international lounge visits a year

Why: For bigger spenders who use points on flights and hotels.

DetailsApply
Fees are before 18% GST. Apply links are affiliate links; Koshfin may earn a commission. Check the latest terms with the bank.Want a fuller match? Try Card Finder →
100+credit cards compared
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Dailyloan, card and fintech news
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Free tools

Quick answers to everyday money questions.

Card FinderTell us how you spend, and the cards you already hold. We find the cards that earn you the most after fees, with lounge access and fee waivers. NewIncome tax calculatorNew vs old regime for FY 2026-27 NewCTC to in-hand salaryWhat actually reaches your bank each month Compare cardsTwo cards side by side on your spends EMI calculatorMonthly payment and total interest Rate change calculatorHow an RBI rate move changes your EMI Savings calculatorPlan for a goal with SIP or FD IPO trackerOpen and upcoming IPOs, subscription and listing gains AI funding trackerThe 20 most valuable AI companies and their funding Fintech funding trackerThe biggest fintech rounds, worldwide and in India Avail loans20 lenders, from HDFC Bank and Axis to Bajaj Finserv

Latest news

Short, verified updates and what they mean for you.

All news → Fintech funding tracker AI funding tracker

Popular credit cards

Well-known cards that suit many people. Use the Card Finder to see which earns the most for your spending.

Best for online shoppingHDFC Millennia

5% cashback on Amazon, Flipkart, Swiggy, Zomato, Myntra and more; 1% on other spends.

Annual fee
₹1,000 + GST
Fee waived on
₹1 lakh spend
ApplyCompare
Best for all online spendsSBI Cashback

5% cashback on almost all online spends and 1% offline, up to ₹2,000 a month.

Annual fee
₹999 + GST
Fee waived on
₹2 lakh spend
ApplyCompare
Best for food and groceriesHSBC Live+

10% cashback on dining, food delivery and groceries, 1.5% on everything else, plus lounge visits.

Annual fee
₹999 + GST
Fee waived on
₹2 lakh spend
ApplyCompare
Best for Flipkart and MyntraAxis Flipkart

5% on Flipkart and Cleartrip, 7.5% on Myntra, 4% on Swiggy, PVR and Uber, 1% on the rest.

Annual fee
₹500 + GST
Fee waived on
₹3.5 lakh spend
ApplyCompare
See all 100 credit cards → Find my best card

Loans and savings

Compare offers from big banks and trusted lenders, then apply online.

Personal loans20 lenders comparedHDFC Bank, Axis Bank, Bajaj Finserv, Tata Capital and instant loan apps.Avail loans → Credit lineBajaj Finserv FlexiBorrow up to ₹55 lakh and pay interest only on what you use.See details → Savings accountKotak811Open online in minutes and earn up to 3.25% a year.Open account → CalculatorEMI calculatorWork out your monthly EMI and total interest before you borrow.Calculate →

Learn the basics

Short guides to help you make better money decisions.

Credit cardsCashback vs reward points: which is worth more? Credit cardsJoining fee vs annual fee: how fees and waivers work LoansHow EMI is calculated, with worked examples SavingsFD vs PPF: how they compare
All guides →

Questions people ask

How Koshfin works, in short.

Is Koshfin free to use?

Yes. All tools, guides and news are free, and you don’t need to sign up or share your phone number.

How does Koshfin make money?

Some “Apply” links are affiliate links: if you get a card through them, we may earn a commission at no extra cost to you. It never changes the order of results; cards we earn nothing on still show up. See our affiliate disclosure.

Do you store what I type into the calculators?

No. The calculations run in your browser, and the numbers you enter are not sent to us or anyone else.

Where do the card details and news come from?

From banks’ own websites, regulators like the RBI and SEBI, and trusted financial media. Each news story lists its sources. Terms change often, so always check the bank’s site before applying.