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A Bloomberg-terminal-for-Indian-credit-cards. Every fee, every reward rate, every late charge, in one ledger. No rosettes, no editor's picks, no affiliate steering.

Last updated: 2026-06-20

What this is

cards.oriz.in is a static catalogue of 750 cards issued in India — credit, debit, and prepaid — across 35 issuers including Amex, Axis, AU SFB, Bandhan, BoB, BoM, Canara, CUB, DCB, Dhanlaxmi, ESAF, Federal, HDFC, HSBC, ICICI, IDBI, IDFC, Indian Bank, IndusInd, IOB, J&K Bank, Karnataka Bank, Kotak, KVB, PNB, PSB, RBL, Saraswat, SBI, SIB, StanChart, TMB, UCO, Union, and Yes Bank.

Banks publish card terms across PDFs, microsites, and FAQ pages that change without notice. cards.oriz.in pulls those into a single, searchable, comparable form — open data, open source, no affiliate gating.

Methodology

Each card profile is assembled from the Most Important Terms and Conditions (MITC) and Key Fact Statement (KFS) PDFs the issuer publishes — both of which are mandated by RBI and updated when fees change. We extract the standard fields (joining fee, annual fee, APR, fuel waiver, lounge access, eligibility, insurance) into a normalised schema. Every value is a number — no marketing copy in the data tier.

We don't take affiliate commissions and we don't accept paid placement. The choice of which cards to list is the entire universe of cards published by the 35 issuers — there is no editor.

Sources

  • RBI Master Direction on Credit Card and Debit Card — the regulatory baseline.
  • Issuer MITC documents — fees, charges, late-payment, over-limit, currency markup.
  • Issuer KFS documents — APR, billing cycle, grace period, minimum-due rules.
  • Issuer card pages — rewards tables, lounge programmes, fuel waiver windows, eligibility.

Our extraction date is stamped on each card profile. The footer below shows the most-recent rebuild timestamp for the whole catalogue.

Licence

Card data on cards.oriz.in is published under Creative Commons Attribution 4.0 International (CC BY 4.0). Take a copy, redistribute, build on it — please credit cards.oriz.in and link back. The data is also available as a single JSON dump: /cards.json.

Part of oriz

cards is one site in the oriz family — small, free, open-source tools by Chirag Singhal. One sign-in works across every site. Visit the hub for the rest.

Source

Code: github.com/chirag127/oriz-cards. Issues, corrections, and PRs welcome.

Disclaimer

Information here is for reference. It is not financial advice and may lag the bank's own page by days or weeks. Always verify on the issuing bank's site before applying. See the full disclaimer.