Free to use · UAE & India · No bias

Stop guessing.
Find your perfect credit card
in minutes.

CredIntelGine compares hundreds of credit cards across the UAE and India — analyzing real fees, rewards, and benefits — so you always pick the card that pays you back the most.

Compare Cards for Free → See How It Works
No hidden affiliate bias
500+ cards analyzed
Always free to compare
credintelgine.com/compare
Best Match
Emirates NBD
Skywards Infinite
Annual FeeAED 1,500
Cashback5.0%
Lounge AccessUnlimited
FX Fee0%
Match
94
ADCB
Touchpoints Infinite
Annual FeeAED 1,000
Cashback3.5%
Lounge Access8/yr
FX Fee1.99%
Match
78
HDFC India
Regalia First
Annual Fee₹1,000
Reward Rate4.0%
Lounge Access6/yr
FX Fee2.0%
Match
71

Choosing a credit card
shouldn't feel this hard

Most people pick credit cards based on ads, friends, or guesswork. That costs real money.

😵
Too Many Options

Hundreds of credit cards across UAE and India, each with wildly different fees, rewards, and eligibility requirements. Impossible to compare manually.

🕵️
Hidden Fees Everywhere

Annual fees, FX charges, reward caps, and expiry rules buried in fine print. The card that looks free often isn't.

📉
Leaving Money on the Table

Using the wrong card for the wrong category means losing 2–5% cashback on every transaction. Over a year, that adds up to thousands.

Credit intelligence.
Not just comparison.

CredIntelGine doesn't just list cards — it analyzes your spending profile and ranks cards by how much they'll actually earn or save you.

🎯
Personalized Scoring

Every card gets a personalized match score based on your spending patterns — not generic rankings.

💡
True Cost Calculation

We factor in every fee, reward cap, and benefit to show your actual net gain per card per year.

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Always Up-to-Date

Card terms change constantly. Our database is continuously updated so your comparisons are always accurate.

Based on: AED 8,000/mo spend · High travel

Card Net Gain/yr Best For FX
Skywards Infinite
Emirates NBD
+AED 3,200 Travel ✓ Free
Cashback Platinum
FAB
+AED 2,100 Dining ✗ 1.5%
Touchpoints Gold
ADCB
+AED 1,600 Everyday ✗ 2.0%
Millennium Titanium
ENBD
AED 800 Shopping ✗ 2.5%

Four steps to your best card

No forms. No account required. Just honest, data-driven recommendations in under 3 minutes.

💬
Tell Us How You Spend

Categories, monthly amounts, travel frequency. Takes 90 seconds.

⚙️
We Crunch the Numbers

Our engine analyzes 500+ cards against your exact profile, including all hidden costs.

📊
See Ranked Results

Cards ranked by net yearly benefit — with full transparent breakdowns for each.

🚀
Apply with Confidence

Direct links to apply, plus tips on approval requirements and timing.

Transparency is our
core feature

Financial tools should be honest. Here's exactly how we work — and why we don't have the same conflicts as other comparison sites.

🔍

Transparent Methodology

Every card score is calculated using a documented formula that weighs fees, rewards, benefits, and your spending profile. We show you the math — always.

🔒

No Data Sold, Ever

Your spending profile stays on your device. We never sell or share individual user data. Aggregated, anonymous market insights only — and only with explicit disclosure.

⚖️

Affiliate Links Are Labeled

Some cards carry affiliate commissions. Every single one is clearly marked. Commissions never influence rankings — our algorithm is blind to whether a card is affiliated or not.

How we make money — openly

We earn commissions when users apply for cards through our links. This is how we keep the platform free. But our rankings run before affiliates are applied — so the best card for you always comes first, not the most profitable one for us.

🛡️
SSL Secure
📋
GDPR Ready
🧮
Open Formula

Everything you need
to own your credit

⚖️

Smart Comparison Engine

Compare any combination of credit cards side by side — UAE and India. Filter by annual fee, cashback rate, lounge access, FX fees, minimum salary requirements, and more. See exactly how each card performs for your spending pattern.

500+ Cards UAE & India Real-time data Side-by-side view
🎯

Reward Optimizer

Map every spending category to the card that pays you most. Our optimizer tells you which card to swipe for groceries, travel, dining, fuel, and online shopping.

📈

Spending Analytics

Track reward accumulation, cashback earned, and credit utilization over time. Understand which cards are actually performing for you.

🤖

AI Recommendations

Personalized card suggestions that evolve with your spending. Get notified when a better card for your profile launches.

🎓

Financial Education Hub

Clear, jargon-free guides on credit scores, responsible usage, debt management, and how to maximize benefits. Written for UAE and Indian consumers specifically — with local context, local banks, and local regulations.

Credit Scores UAE Context India Context Debt Management

See the comparison
tool in action

This is a preview of the real product. Full tool launching soon — join the waitlist to be first.

Your Spending Profile: AED 10,000/mo · Travel-heavy
Showing top 3 matches from 487 UAE cards analyzed
All Cards
Cashback
Travel
No Annual Fee
India Cards
Emirates NBD
Skywards Infinite
94
/ 100 match score
✦ Best Match
Annual FeeAED 1,500
Cashback Rate5.0%
Lounge VisitsUnlimited
FX Charges0% free
Est. Annual Gain+AED 4,900
FAB
Cashback Platinum
79
/ 100 match score
Annual FeeAED 750
Cashback Rate3.5%
Lounge Visits8 / year
FX Charges1.5%
Est. Annual Gain+AED 3,200
ADCB
Touchpoints Infinite
71
/ 100 match score
Annual FeeAED 1,000
Cashback Rate3.0%
Lounge Visits6 / year
FX Charges2.0%
Est. Annual Gain+AED 2,100

This is a live preview. The full tool with all 500+ cards, personalized scoring, and reward optimization is launching soon.

Join the Waitlist — It's Free

Built for two of the world's
most dynamic card markets

Deep local expertise — not generic global data copy-pasted for a different context.

🇦🇪
Primary Market
United Arab Emirates

A premium, high-spending market with sophisticated multi-currency cards, extensive lounge networks, and generous travel reward programs. We track every major UAE bank in real time.

200+
UAE Cards
40+
Banks Tracked
AED
Native Currency
UAE
🇮🇳
Secondary Market
India

The world's fastest-growing credit market. Enormous diversity from HDFC to SBI to Axis. Complex reward structures, co-branded cards, and rapidly changing benefits — we decode all of it.

300+
India Cards
60+
Banks Tracked
INR
Native Currency
IND
Get Early Access

Your credit cards should earn
for you. Not the bank.

Join the waitlist and be first to access the most transparent credit intelligence platform in the UAE and India. Free forever for comparisons.

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