About PointsWallah

PointsWallah is an independent credit card information resource built for Indian cardholders. We compare cards, track reward point valuations, and help you find the best card for your income and spending pattern.

Why We Exist

India has over 115 million credit cards in circulation, growing at 20%+ year over year. Yet there's no trusted, independent resource that helps people make informed card decisions. Bank marketing is confusing by design — hidden caps, rotating categories, and opaque redemption values make it nearly impossible for regular cardholders to know what their points are actually worth or which card is genuinely best for them.

We built PointsWallah to fix that. Every comparison includes real spend math. Every valuation is backed by transparent methodology. Every recommendation explains the reasoning — not just what to get, but why.

What We Do

  • Card Comparisons — Head-to-head analysis of Indian credit cards with editorial verdicts, real spend scenarios, and honest pros/cons
  • Points Valuations — Monthly updated valuations of reward points across all major Indian banks (HDFC, Axis, ICICI, SBI, Amex, IDFC FIRST)
  • Salary-Based Guides — Card recommendations tailored to your income level, including optimal 2-card setups and cards to avoid
  • Educational Guides — Plain-language explanations of credit card concepts, billing cycles, reward strategies, and common mistakes

Our Team

PointsWallah Editorial Team

We're a team of credit card enthusiasts who collectively hold 30+ Indian credit cards across all major banks. We track every reward program change, devaluation, and new card launch. Our recommendations are based on personal experience, community feedback, and rigorous spend math — not bank marketing materials.

How We Make Money

Transparency matters to us. Here's exactly how PointsWallah earns revenue:

  • Affiliate commissions: When you apply for a credit card through our links and are approved, we may earn a commission from the bank or our affiliate partners. This is our primary revenue source.
  • Sponsored content: Occasionally, banks or fintechs may sponsor content on our site. All sponsored content is clearly labeled as such.

Importantly: affiliate commissions do NOT influence our editorial recommendations. We recommend cards based on value to you, not payout to us. See our Editorial Policy for details.

Contact

Have a question, correction, or suggestion? We'd love to hear from you. Email us at hello@pointswallah.com.