Recommends
A short, curated list of tools we think are worth trying, not an exhaustive directory. We only add something here if we'd suggest it to a friend, and where we've written a full review, it's linked directly from the card so you can read the actual fees, benefits, and who it's a bad fit for before you apply for anything.
Live items link out through affiliate tracking, and we may earn a commission if you sign up, at no extra cost to you. Items marked "Coming soon" or "Paused" are tools we like but don't currently have an active partnership with; we'd rather say that plainly than link you to an affiliate program that isn't actually running. See our terms page for the full disclosure.
Credit cards
| Card | Annual fee | Key benefit |
|---|---|---|
| Scapia Co-Branded Credit Card | ₹0 | Zero forex markup |
| SBI Cashback Credit Card | ₹999 (waived at ₹2L spend/yr) | 5% cashback online |
| Axis Flipkart Credit Card | ₹500 (waived at ₹3.5L spend/yr) | 5-7.5% Flipkart/Myntra |
| HSBC Travel One Credit Card | ₹4,999 (waived at ₹8L spend/yr) | Instant point transfers |
| HDFC Bank Marriott Bonvoy Credit Card | ₹3,000 (no waiver) | Marriott status + free night |
| Tata Neu HDFC Bank Credit Card | ₹499-1,499 | Up to 10% NeuCoins |
Scapia Co-Branded Credit Card
LiveLifetime-free travel card with zero forex markup and unlimited domestic lounge access if you spend ₹20,000/month.
Read our full review →SBI Cashback Credit Card
Live5% cashback on online spends and 1% offline, credited as real cash with no points to expire.
Read our full review →Axis Flipkart Credit Card
LiveUnlimited cashback on Flipkart, Myntra, and everyday spends, with free domestic lounge access.
Read our full review →HSBC Travel One Credit Card
LiveTransfers reward points instantly to 20 airline and hotel loyalty programs, no fee, no calls.
Read our full review →HDFC Bank Marriott Bonvoy Credit Card
LiveAutomatic Marriott Silver Elite status plus a free night award on your first transaction.
Read our full review →Tata Neu HDFC Bank Credit Card
LiveUp to 10% back in NeuCoins across the Tata ecosystem — BigBasket, Croma, Air India, and more.
Read our full review →Budget shopping
Shopsy
LiveFlipkart's zero-commission budget marketplace, with everyday items starting around ₹80 during the current Freedom Sale.
Read our full review →Budgeting apps
Money View
PausedSimple budgeting with bill reminders and a loan option built in.
INDmoney
Coming soonCombines budgeting with net-worth tracking across accounts.
Expense trackers
Splitwise
Coming soonThe standard for splitting shared expenses with roommates or trips.
Spendee
Coming soonVisual, category-based expense tracking with shared wallets.
Micro-investing
Groww
Coming soonBeginner-friendly investing in mutual funds, stocks, and gold.
Jar
Coming soonRounds up daily spends and auto-invests the spare change in digital gold.
BNPL alternatives
Recurring UPI AutoPay
Coming soonSet a fixed mandate for planned purchases instead of open-ended BNPL credit.
A dedicated savings pot
Coming soonAutomate a small transfer to a separate account before you shop, and pay from that instead of splitting later.