About EQUIS.IN
India's most honest, math-driven credit card intelligence engine. Built for consumers who demand clarity, privacy, and zero affiliate bias.
Zero Telemarketing. Zero Phone Numbers Requested.
We will never ask for your 10-digit mobile number, Aadhaar, or OTP just to let you evaluate credit cards or run reward calculations. You can use every tool on EQUIS.IN completely anonymously.
Why We Built EQUIS.IN
India is home to over 11.4+ Crore active credit card users, yet nearly every credit card comparison portal on the web today operates on affiliate commissions. Cards with high bank payouts are placed at the top of recommendations, while superior cards with lower issuer commissions are buried.
Worse, most finance portals force users to enter mobile numbers, resulting in endless spam calls, unwanted loan offers, and aggressive telemarketing.
EQUIS.IN was built to break this system. We treat financial advice as serious editorial work. Our recommendation algorithms evaluate cards purely on mathematical net return (₹ reward earned minus annual fee & taxes) tailored to your actual spending profile.
Pure Math Scoring
Every card ranking is computed based on real spend category multipliers, capping limits, fuel surcharge waivers, and lounge access valuations.
Catch & Devaluation Alerts
We clearly highlight hidden terms: minimum spend thresholds for fee waivers, reward capping, exclusions on wallet reloads, and devaluation histories.
Client-Side Calculation
Your spending data and wallet configurations stay inside your browser. We do not store your private financial profiles on external tracking servers.
Full Transparency
Our mathematical scoring models, formula assumptions, and evaluation methodology are publicly documented in our Colophon.
Editorial Integrity & Contact
EQUIS.IN is operated by independent researchers, data engineers, and personal finance advocates across India. We regularly audit card terms directly against official bank MITC (Most Important Terms & Conditions) documents and RBI regulatory updates.
EQUIS FINANCIAL INTELLIGENCE LABS
Independent Financial Research & Consumer Protection
Editorial Enquiries: editor@equis.in
General Feedback: hello@equis.in
Location: New Delhi / Bengaluru, India