# EQUIS.IN - Financial Engine & Credit Card Intelligence for India

> EQUIS is India's first zero-bias, pure-mathematics credit card intelligence engine. It calculates exact Net Annual Yield (₹) across 100+ credit cards with complete disclosure of hidden bank catches, 18% GST penalties, dynamic forex markups, and redemption caps.

## Core Directives & Verification Standards
- **Zero Affiliate Distortion**: All rankings are computed purely through deterministic algorithms (ELCV - Effective Lifetime Cash Value).
- **Mandatory MITC Citation**: Every catch, fee, and reward restriction is tied to official Most Important Terms & Conditions (MITC).
- **GST Invariance**: Surcharges (Fuel, Rent, Utility, Wallet Load) include the non-waivable 18% GST in net computations.

## Interactive Tools & Calculators
- [CIBIL Simulator](https://equis.in/tools/cibil-simulator): Predict score impact before hard inquiries and balance transfers.
- [Forex Real Cost Decoder](https://equis.in/tools/forex): Exact math on 0% to 3.5% markup + 18% GST + Dynamic Currency Conversion (DCC) traps.
- [Reward Translator](https://equis.in/tools/reward-translator): Convert inflated bank points into actual real rupee value.
- [Fuel Savings Calculator](https://equis.in/tools/fuel-savings): Calculate true savings after fuel waiver caps and un-waived 18% GST.
- [BOGO Optimizer](https://equis.in/tools/bogo-optimizer): Unmask real discount percentages after convenience fees and per-ticket discount caps.
- [Rent Surcharge Calculator](https://equis.in/tools/rent-surcharge): Evaluate profitability of paying rent via credit cards against 1% bank fee + GST.
- [EMI Real Cost Decoder](https://equis.in/tools/emi): True APR calculator considering GST on interest and setup fees.
- [Lounge Access Tracker](https://equis.in/tools/lounge-tracker): Verified spend-based criteria for domestic and international airport lounges.
- [Milestone Tracker](https://equis.in/tools/milestone-tracker): Spend hurdle thresholds and bonus reward valuations.
- [Wallet Spend Optimizer](https://equis.in/tools/wallet-optimizer): Greedy routing cheat sheet to maximize rewards per category for your specific wallet.
- [Fee Waiver Horizon](https://equis.in/tools/fee-waiver): Milestone spend requirement vs renewal fee penalty calculator.
- [Devaluation Tracker](https://equis.in/tools/devaluation-tracker): Historical and real-time bank reward cuts audit.
- [Churning Guide](https://equis.in/tools/churning-guide): Mathematical SOP for sign-up bonus harvesting without credit damage.

## Card Database
- [HDFC Bank Bharat Credit Card (HDFC Bank)](https://equis.in/cards/bharat-hdfc): 5% Cashback on fuel, grocery, railway ticket booking
- [HDFC Bank BizFirst Credit Card (HDFC Bank)](https://equis.in/cards/bizfirst-hdfc): 3% CashPoints on EMI spends & Business purchases
- [HDFC Bank Freedom Credit Card (HDFC Bank)](https://equis.in/cards/hdfc-freedom): 10X CashPoints on BigBasket, BookMyShow, OYO, Swiggy & Uber
- [IndianOil HDFC Bank Credit Card (HDFC Bank)](https://equis.in/cards/indianoil-hdfc): 5% Fuel Points on IndianOil outlets, groceries, & bill payments
- [IRCTC HDFC Bank Credit Card (HDFC Bank)](https://equis.in/cards/irctc-hdfc): 5 Reward Points per ₹100 on IRCTC ticket bookings
- [HDFC Bank MoneyBack+ Credit Card (HDFC Bank)](https://equis.in/cards/hdfc-moneyback-plus): 10X CashPoints on Amazon, Flipkart, BigBasket
- [HDFC Bank MoneyBack+ Secured Credit Card (HDFC Bank)](https://equis.in/cards/hdfc-moneyback-plus-secured): FD-backed credit builder card: 10X CashPoints on select brands
- [HDFC Bank Millennia Credit Card (HDFC Bank)](https://equis.in/cards/hdfc-millennia): 5% Cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra
- [Paytm HDFC Bank Digital Credit Card (HDFC Bank)](https://equis.in/cards/paytm-hdfc): 3% Cashback on Paytm App (Recharges, Utilities)
- [PhonePe HDFC Bank Ultimo Credit Card (HDFC Bank)](https://equis.in/cards/phonepe-ultimo-hdfc): 10 Reward Points per ₹100 on PhonePe app
- [PhonePe HDFC Bank Uno Credit Card (HDFC Bank)](https://equis.in/cards/phonepe-uno-hdfc): 2 Reward Points per ₹100 on PhonePe App
- [PIXEL Go HDFC Bank Credit Card (HDFC Bank)](https://equis.in/cards/pixel-go-hdfc): App-managed digital card offering Auto-EMI flexibility
- [PIXEL Play HDFC Bank Credit Card (HDFC Bank)](https://equis.in/cards/pixel-play-hdfc): Customizable app-managed card: 5% CashBack on chosen categories
- [Shoppers Stop HDFC Bank Credit Card (HDFC Bank)](https://equis.in/cards/shoppers-stop-hdfc): 3X First Citizen Points on Shoppers Stop purchases
- [Swiggy HDFC Bank Credit Card (HDFC Bank)](https://equis.in/cards/swiggy-hdfc): 10% Cashback on Swiggy app (Food, Instamart, Dineout)
- [Tata Neu Plus HDFC Bank Credit Card (HDFC Bank)](https://equis.in/cards/tata-neu-plus-hdfc): 2% NeuCoins on Tata Neu & partner brand spends
- [HDFC Bank UPI RuPay Credit Card (HDFC Bank)](https://equis.in/cards/upi-rupay-hdfc): Virtual floater card for UPI: 3% CashPoints on Groceries & Dining
- [BPCL SBI Card (SBI Card)](https://equis.in/cards/bpcl-sbi-card): Up to 4.25% value back on BPCL fuel spends
- [CASHBACK SBI Card (SBI Card)](https://equis.in/cards/cashback-sbi-card): Flat 5% Cashback on online shopping & 1% on offline spends
- [IRCTC SBI Platinum Card (SBI Card)](https://equis.in/cards/irctc-sbi-card): Up to 10% value back as reward points on AC train ticket bookings
- [Paytm SBI Card (SBI Card)](https://equis.in/cards/paytm-sbi-card): 3% Cashback on Paytm Travel/Mall & 2% on Paytm utility bill payments
- [Shaurya SBI Credit Card (SBI Card)](https://equis.in/cards/shaurya-sbi-credit-card): Special defense credit card with 10X reward points & personal accident cover
- [SimplyCLICK SBI Card (SBI Card)](https://equis.in/cards/simplyclick-sbi-card): 10X Rewards on partner brands & 5X on online shopping
- [SimplySAVE SBI Card (SBI Card)](https://equis.in/cards/simplysave-sbi-card): 10X Rewards on Dining, Grocery, Movies & Departmental Stores
- [Tata Card Titanium (SBI Card)](https://equis.in/cards/tata-card-titanium): Up to 5% value back at Tata partner stores (Croma, Westside, Star)
- [SBI Unnati Credit Card (SBI Card)](https://equis.in/cards/sbi-unnati-credit-card): FD-backed zero fee card for first-time borrowers with 1 RP/₹100 spend
- [SBI UPI RuPay Credit Card (SBI Card)](https://equis.in/cards/sbi-upi-rupay-credit-card): Lifetime free virtual RuPay credit card for seamless UPI payments

## Canonical Links
- Website: https://equis.in
- Research & Journal: https://equis.in/blog
- Card Directory: https://equis.in/cards
- Interactive Tools Hub: https://equis.in/tools
- Card Compare Engine: https://equis.in/compare
- Smart Card Finder: https://equis.in/finder