CardPolo · credit-card command center
Play your cards right.
The credit-card command center for India + US. Ask which card to swipe. Find your right card in 60 seconds. Stack the right combos. Every reward, every transfer partner, every catch, surfaced.
Live reward + transfer-partner dataNo bank login · PCI-safeIndia + US catalogs
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4242 1620 •••• 2026
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PLAY YOUR CARDS RIGHT
Cards covered
India + United States
Transfer-partner ratios mapped
Across 17 cards · live
₹+
Net annual value computed per card
Avg. value Polo finds
United cut base earning from 5x to 3x and made the co-brand card the only way backAug 27British Airways raised the cash you pay on Avios reward flights again, the second increase in five monthsAug 27BOBCARD raises its lounge gate from ₹40,000 to ₹75,000 a quarter, and its finance charge to 45% a yearAug 27Amex Platinum Travel loses 30,000 milestone points and puts lounge access behind ₹1 lakh a quarterAug 27The Amex Gold turned 60 with 5x on prepaid hotels, and the $325 fee held flatAug 27HSBC India drops forex markup to zero on every credit card until September 15, 2026Aug 22Flying Blue splits award tickets into Light, Standard and Flex from September 8, 2026: the headline price stays, the ticket gets worseAug 22Amex India improves Membership Rewards transfers: Virgin Atlantic up 60%, Hilton Honors up 67% from August 18, 2026Aug 22
PCI-safe
No bank login · last-4 only · never your full PAN
Sourced or flagged
Each card is either stamped with the date we checked it against the issuer, or plainly labelled not-yet-verified. No card fakes a verified date.
IN + US
Two catalogs, two reward systems, never blended
Free tier
Polo Match unlimited · Polo Brain 10 queries / day
The four surfaces
Built for the way you actually play.
Four surfaces, one rewards command center. Each does one job perfectly.
Featured cards
The catalog's most-recommended picks.
What Polo Brain + Polo Match keep returning as winners. India + US, ranked by net annual value.
How Polo thinks
Not headline rate. Real value.
A 4% card with a ₹500 cap loses to a 2% no-cap card on a ₹50K spend. Polo does that math, and the cashback-vs-transfer-partner math too.
₹12,000 Amazon order
HDFC Infinia · 3.33% as 6.6X reward points · 12,000 × 3.3pts × ₹1 redemption value
₹400
Reward
$420 United flight
Chase Sapphire Reserve · 3.25X UR points on travel · transfer to United at 1:1 for premium-cabin redemption
$13.60
Reward
₹2,500 Swiggy dinner
Axis Magnus · Magnus 24X on dining via EDGE → 3X earn at ₹1/pt redemption
₹75
Reward
₹50K electricity bill
SBI Cashback · Flat 1% on utility bill payments, beats Infinia capped 0.33% on this category
₹500
Reward
Polo Club · editorial
The rewards conversation.
Stop leaving rupees on the table.
Sixty seconds to find your right card. Lifetime to play it right.