ArthaYukti

ArthaYukti is a personal finance assistant built for India, growing feature by feature and starting with a credit card matcher that replaces marketing pages with a straight answer for you specifically. Answer a few questions about your income, spending and preferences, and get one clearly explained best match plus alternatives worth knowing about, along with an estimated yearly value in rupees that is always net of the annual fee, meaning a free card that nets more than a premium one will say so. Reasons are written in terms of what the card actually gives you, such as the categories it earns most on and the fee waiver you would realistically hit, and downsides are shown too, since every card lists who it is not ideal for and a fee above your comfort level is flagged as a caution. When nothing genuinely suits your answers, the app tells you that instead of recommending something unsuitable. ArthaYukti never asks for your PAN, Aadhaar, card number, CVV, OTP or bank login, and no future version will, so there is nothing to sign up for: no accounts, no password, no email, no phone number, no server, meaning your answers stay on your device and are never uploaded, no tracking and no ads, and you can clear your answers at any time from the More tab. When you decide to apply for a card, ArthaYukti hands you off to the bank's own official website after confirming which bank you are about to visit, and it never collects an application itself. ArthaYukti is not a bank, a lender or a credit intermediary, and nothing it shows is financial advice. Card features, fees and reward rates change often, so confirm current terms on the issuer's own site before you apply. Approval is always the bank's decision, not ours.