Ramu Badugu

About

Building CardMasters: independent Indian credit-card comparisons using conservative reward math, dated issuer evidence, transparent commissions, and no credit-bureau checks.

Badges

Tastemaker
Tastemaker
Gone streaking
Gone streaking
Gone streaking 5
Gone streaking 5

Maker History

  • CardMasters
    CardMastersHonest credit-card math for India
    Jul 2026
  • 🎉
    Joined Product HuntJuly 7th, 2026

Forums

Shipped since launch: statement analyser, eligibility check, and 79 cards all issuer-verified

Four weeks after the launch here, three things shipped that changed what CardMasters can answer.

  1. Statement analyser (https://www.cardmasters.in/tools...) paste one month of statement rows, get the gap between what your current wallet earns and the best card for that exact basket, net of annual fees. It parses and computes entirely in the browser: nothing is uploaded, nothing is stored, no card number needed.

  2. Eligibility check (https://www.cardmasters.in/tools...) which cards you meet the published criteria for, and what would block the rest. No credit-bureau enquiry, so it leaves no mark on your report.

  3. All 79 active cards now carry a dated issuer-source check, up from 59. Cards without one are excluded from every computed ranking rather than shown with unverified numbers.

The thing I would still like blunt feedback on: every figure is computed from the issuer's own terms with caps, exclusions and surcharges applied but a reader has no easy way to audit that. The methodology page (https://www.cardmasters.in/metho...) shows the maths with a worked example. Is that enough to trust a number, or does each card page need the calculation shown inline?

2mo ago

CardMasters - Honest credit-card math for India

CardMasters compares Indian credit cards using conservative redemption values, not best-case travel assumptions. It labels approval guidance as an estimate, discloses commissions, and publishes card-specific earn routes only when current issuer evidence supports the rate, cap and exclusions. Free; no credit-bureau check.
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