The Equis Manifesto.
We built India's most uncompromising financial engine because the credit industry is rigged. Driven by affiliate commissions, hidden clauses, and data-brokering, the status quo is broken. We decided to fix it with pure mathematics.
The Rigged Market (The Problem)
Unlike traditional aggregators (such as Paisabazaar, BankBazaar, or Credit Karma) that operate as lead-generation engines, we refuse to treat consumers as products.
Most platforms rank credit cards based on which bank pays them the highest affiliate commission. They force you to hand over your 10-digit mobile number simply to sell your data to telemarketers. The result? You get a suboptimal card and a lifetime of spam calls.
The Mathematical Standard (The Solution)
EQUIS operates as an independent financial calculation laboratory. We treat financial advice as serious, uncompromising engineering work.
Our algorithms evaluate cards purely on the Net Financial Benefit (NFB) Model. We reverse-engineer over 15,000+ data points across all 35+ Indian Banks and 500+ Credit Instruments to calculate exact net monetary return—tailored strictly to your personal spending profile.
Our Guiding Principle
We will never ask for your phone number or OTP just to let you evaluate credit cards. Your salary and spending data never leave your browser (100% Client-Side calculation).
We will never alter a mathematical ranking to favor a bank's affiliate payout.
Because when it comes to your money, we do not compromise on accuracy or transparency.
The Business Model (How We Survive)
If EQUIS is free and we refuse to sell your data to telemarketers, how do we make money? It's simple. We are currently self-funded by independent data engineers who believe in building the infrastructure first. In the future, we will sustain this engine through B2B mathematical APIs and premium anonymous consulting tools for High-Net-Worth individuals. We will never sell your personal data.
Editorial Integrity & Audit
EQUIS.IN is operated by independent researchers, data engineers, and personal finance advocates. We regularly audit card terms directly against official bank MITC (Most Important Terms & Conditions) documents and RBI regulatory updates.
Editorial Enquiries: editor@equis.in
General Feedback: hello@equis.in
Location: New Delhi / Bengaluru, India