We run the numbers so you don't have to.

CreditGully is an independent editorial platform built to help Indian consumers make more informed decisions about credit cards. We publish in-depth card reviews, side-by-side comparisons, and editorial guides — and we build tools like CardFinder and Card Compare that let you model actual rewards against your real spending.

We are not a bank, card issuer, or financial institution. We don't process credit applications and we don't offer any regulated financial product. We're a small team of people who think clearly about the numbers and try to present them honestly.

A lot of Indian credit card coverage gets the analysis wrong. Reward rates are misquoted. Fee waivers are glossed over. Redemption value — arguably the most important number — is almost never modelled at all.

We try to do better. That means actually reading the fine print: factoring in monthly and annual caps, modelling earn rates across specific spending categories, and working out what a point is worth at redemption — not just at face value. Our CardFinder engine runs a full reward waterfall against your inputs and ranks cards by what they'd actually earn you.

We participate in affiliate marketing programmes. When you apply for a card through a link on our site and are approved, we may receive a referral commission from the issuing bank. This doesn't influence our rankings or editorial judgements — cards are evaluated on their merits, not on what they pay us. We disclose affiliate relationships clearly and don't accept paid placements in our rankings.