Travel benefit check
Lounge Finder & Directory
Check card-level lounge rules, then search 59 airport and railway listings by city, terminal or station.
Credit Card Tools Hub
Use every card for the job it does best.
Accurate Paisa uses documented scenarios for 87 credit cards to help with practical decisions. Annual earning, purchase eligibility and redemption evidence have separate coverage. Build a private wallet, plan fee waivers, choose a card before paying, find documented lounge benefits and compare points-transfer value—all without sharing a statement or card number.
✓ No statement upload✓ No email or bank access✓ Anonymous calculations✓ Official sources linked
Private account tool
My Card Wallet
Select the card products you hold. We save only catalogue IDs—not card numbers, limits, balances or transactions.
Sign in with WhatsApp → 02Plan the year
Annual Planner & Fee-Waiver Tracker
Estimate annual rewards, fee paid and the monthly spend still required to reach a renewal-fee waiver.
Build an annual plan → 03Before checkout
Best Card for Any Payment
Compare LIC premiums, car purchases, fees, bills and everyday spending across every card or only cards in your wallet.
Check a payment →Redemption decision
Points Transfer Optimizer
Compare cash redemption with a transfer using the official ratio and your own conservative partner-point value.
Compare redemption value → 06Full portfolio search
Card Savings Comparison
Enter monthly expenses and rank all 87 cards by rewards and milestones minus annual fee including GST.
Compare all cards → 07Repayment reality
Minimum Amount Due Trap
Model month-by-month interest, GST and repayment time—and detect when new spending prevents the balance from clearing.
See the real payoff cost → 08Renewal decision
Keep, Downgrade or Close?
Compare recurring fee, modelled rewards and personally used benefits with a specific alternative card.
Review my card → 09Rule monitoring
Card Change & Devaluation Tracker
See source-linked changes by effective date and impact before relying on an older recommendation.
Track card changes → 10International purchase
Forex Markup vs DCC
Compare network conversion, bank markup, GST, merchant DCC rate, extra fee and expected reward value.
Compare conversion cost → 11Before paying
Reward Eligibility Checker
Find documented exclusions for EMI, rent, fuel, insurance, utilities, education, UPI, wallets and more.
Check a transaction type → 12Lost card or fraud
Emergency & Dispute Hub
Follow a privacy-safe action sequence with official issuer, cybercrime and RBI escalation links.
Open emergency help →One consistent engine
Why the numbers stay comparable
Each recommendation uses the same card profile as its detailed landing page and the main comparison system. Reward caps, milestone values, annual fees, GST and spend-based waiver rules are applied before a card is ranked. A benefit that cannot be valued from the information entered is not quietly added as cash.
The purchase tool measures incremental value, while the annual planner measures the full year. That distinction matters: a premium card can win an individual travel purchase but lose on annual net value after its fee. Likewise, a modest extra purchase may unlock a milestone or fee waiver and therefore be worth more than its base earn rate.
Privacy boundary
No statement analyser, by design
You can use every public tool without an account. Accurate Paisa does not ask to read statements, Gmail, bank accounts or transaction histories. If you choose WhatsApp sign-in, the wallet stores only which public card products you selected. You type broad spending estimates yourself and can remove cards or delete the whole account.
Results are decision support, not a guarantee from an issuer. Merchant category codes, exclusions, caps and changing programme terms can affect the final credit. The linked issuer source and latest card statement remain controlling.
Never spend extra merely to earn rewards or avoid a fee. One month of interest or a late charge can erase a year of card benefits.