Why should finding a credit card start with handing over your PAN or phone number? GainFair compares 150 Indian credit cards against your spending, after fees, GST, reward caps and exclusions. No signup, PAN or phone number. We earn nothing from about 40% of the cards listed, and they're still recommended when they fit best. Every card shows when its terms were last checked against the issuer. Sometimes the best answer is to keep the cards you already have.