Frequently Asked Questions
Everything you need to know about SIP My Cards
SIP My Cards is a platform that helps you explore and compare credit cards from multiple banks, and work out which card to use for a payment. You can view card features, fees, rewards and benefits in one place to make a more informed choice.
No. SIP My Cards is not a bank, lender, card issuer or payment processor. We don't issue cards, extend credit, move money or process transactions. If you decide to get a card, you apply directly with the bank.
Yes. Browsing and comparing cards, the Rewards Calculator and the offers pages are free to use.
No account is needed to browse cards, compare them, use the Rewards Calculator or view offers. Signing in lets you save your cards and use Card Genius and Ask SIP.
No. Everything on SIP My Cards, including recommendations and Ask SIP answers, is general information only and not financial, tax or legal advice. Banks set and change their own terms, so please confirm the details with the card issuer before you apply or rely on a benefit. Read our Terms & Conditions
Browse the credit card catalogue, filter by bank or category, and select up to four cards to see their fees, rewards and benefits side by side. Compare cards
Card details and reward rules come from official bank sources, such as the bank's card pages and published terms documents. Reward rules are extracted from those documents and reviewed before they are published, and only cards with verified data are listed publicly. Banks can change their terms at any time, so always confirm the latest details with the bank.
The Rewards Calculator gives an estimate based on verified reward rates, including monthly caps and minimum spend rules. Reward points are converted to rupees only when the bank publishes an official redemption value. When there is no verified rate for a card and category, it shows "Estimate unavailable" instead of guessing. Your actual rewards depend on the bank's terms and on which transactions are eligible. Try the Rewards Calculator
Card Genius ranks the cards you have saved for a specific purchase, using the verified reward rules for each card, including merchant-specific rates and monthly caps where they apply. You need to sign in and add your cards to use it.
Ask SIP is an AI assistant for signed-in users that answers questions about card benefits using passages from verified official bank documents. If it can't find verified information, it says so instead of making up an answer. AI answers can still contain mistakes, so check important details with your bank.
No. The offers are bank and merchant offers taken from official sources; SIP My Cards does not create them. Expired offers are removed automatically, and each offer's terms are set by the bank or merchant running it. View current offers
Find Your Best Card is a quick tool on the homepage that suggests cards with high published reward rates for a spending category, without signing in. It is an estimate; for a ranking of your own cards that applies caps and merchant rules, sign in and use Card Genius. Find your best card
No. To save a card, you pick it from our catalogue and can optionally add its last four digits. SIP My Cards never asks for your full card number, CVV, card PIN or bank passwords.
You sign in with your mobile number and a one-time password (OTP). During setup we ask for your name, and you can add an email address if you want to.
No. SIP My Cards does not connect to your bank accounts and does not read your emails or SMS messages. The Rewards Calculator also doesn't save what you enter or link it to your account.
No. We do not sell your personal data. Our Privacy Policy explains what we collect and how it is used. Read our Privacy Policy
While signed in, go to Profile & Settings and choose Delete Account. You can also email support@sipmycards.com to ask for your account to be deleted. Account deletion details