FAQ
Frequently asked questions
Use the search above to filter, or browse all questions below.
Using FinWiz24
How does FinWiz24 make money?
We earn affiliate commissions from some card issuers when you apply through our links. This does not influence our rankings or recommendations. We clearly disclose when a link is affiliate-backed.
Is FinWiz24 a bank or card issuer?
No. FinWiz24 is an independent comparison platform. We are not a bank, not a card issuer, and not a financial advisor. We provide information to help you make your own decisions.
How do you determine your card rankings?
Rankings are based on reward rates, annual fees, benefit value, eligibility criteria, and user reviews. We do not accept payment to rank cards higher.
Is my data safe with FinWiz24?
Yes. We do not sell your personal data. We use minimal cookies and only for essential functionality. See our Privacy Policy for full details.
Credit Cards
How do I apply for a credit card through FinWiz24?
When you click 'Apply' on a card page, you are redirected to the card issuer's website. FinWiz24 does not process credit card applications — the issuer handles everything from there.
Will applying for a card affect my credit score?
When you apply directly with the issuer, a hard inquiry is usually made, which can temporarily affect your credit score. FinWiz24 does not perform any credit checks.
How do I compare multiple cards side by side?
Use our Compare page to select up to 3 cards and view their rewards, fees, and benefits side by side.
Do you show all credit cards available in India?
We cover the vast majority of major credit cards from HDFC, ICICI, SBI, Axis, Kotak, Amex, and other issuers. We are continuously adding new cards to our database.
Calculators
What calculators are available on FinWiz24?
We offer a Reward Points Calculator, EMI Calculator, and Lifetime Savings Calculator. More tools are in development.
Are the calculator results accurate?
Our calculators use data directly from issuer documentation and are regularly updated. However, results are indicative — always confirm with the issuer before making financial decisions.
How does the Reward Points Calculator work?
Enter your monthly spending patterns and the calculator will estimate the annual reward value based on the card's earn rate and caps.
Accounts & Settings
Do I need an account to use FinWiz24?
No. You can browse cards, use calculators, and read comparisons without an account. Accounts are only needed to save comparisons and write reviews.
How do I delete my account?
Email us at hello@finwiz24.com with your request and we will delete your account and associated data within 30 days.