About Anmol Ratan Sachdeva

I am a credit card researcher who started from a small town in India where everyone was afraid to get a credit card.

I study Indian credit cards the way a CA studies tax codes: obsessively, with spreadsheets involved.

I started working on Monzy because of an interesting observation:

There are around 500+ credit cards in India, influencers screaming offers, but no one to tell you which is the best for you directly.

I faced this problem myself when I got the first credit card and then moved on to r/creditcardindia forum to see how many people faced the same problem: which card is best for me.

Imagine standing in front of a wall lined with 650+ credit cards, each screaming offers, hidden perks, and fine print.

Which one should you pick? Should you trust a friend, a review, or just go with the brand you hear about most? 

I spent 3 months dedicatedly before even writing a single word and went through every post on India’s largest credit card community.

Here's what I found: nearly 2 out of 3 questions are simply: “Which card do I get, and why does this have to be so hard?”

But I couldn't find a single place that gave straight answers about which card actually earns you more on Swiggy versus Zepto.

So, I thought of using my writing, research and finance experience to solve:

• 65% of credit card conversations online are help-seeking: Instead of comparing offers, users are asking for the basics: “Why was I charged this fee?” “Is this cashback for real?” “Why did my application get rejected?”^[1]
• 16+ banks, 450+ cards, but zero clarity: Each advertises “best rewards” or “lifetime free,” but terms are vague, features change unexpectedly, and critical details are hard to find.
• Compare? Nearly impossible. Most sites just show you lists or generic recommendations, never telling you why, or how it applies to your unique situation.
• Transparency is missing: Users can’t tell why a card was recommended to them, or how platforms are using their data.
• And then, there’s the spam: Most “aggregators” force you to share your phone number, then hound you with calls, offers, and reminders for cards you don’t even want.

Ankur brought me in for this challenging task and I was already excited to create content around credit cards in India.

Here were my motivations and reasons to work on Monzy:

• I couldn't find any credible source of credit card content in India, all my professional life. All I found was marketing speak.
• I wanted to use my 10+ years of financial experience starting from 2014 to good use.

How I think about credit cards?

Credit card content in India currently feels like written by people who've never optimized a household budget using reward points (OR generic AI).

I work on it differently: every card I write about, I've run through real spend scenarios: ₹15k/month online grocery, ₹5k fuel, ₹8k dining, UPI must-have or not.

I'm cashback-first and fee-skeptical person. A card with a ₹5,000 annual fee needs to demonstrably return ₹8,000+ in real value before I'll recommend it.

Aspirational cards that sound great on paper but require spending patterns most Indians don't have? I'll call that out.

What I cover related to credit cards in India?

• Reward rate breakdowns: Actual earn rates across spend categories: not the headline number issuers advertise, but what lands in your account after caps, exclusions, and monthly limits.
• Fee vs. value math: Annual fee, joining fee, milestone benefits, renewal waivers: I run the numbers so you don't have to figure out if a card is worth keeping year two.
• Head-to-head comparisons: HDFC Millennia vs. Axis Flipkart. SBI SimplyCLICK vs. Axis MY Zone. Side-by-side, same spend scenario, no fluff.
• Portfolio building: Which 2–3 cards together cover every major spend category without fee overlap. Strategy over single-card advice.

I have worked in the content industry for more than a decade, scaled communities like r/sharktankindia on reddit to 2.4L members, and helped at least 500+ people personally take better financial decisions. So, I thought why not use my experience to build a better credit card community?

My Stance on Credit Card Content

I don't write for affiliate motivation. If I recommend a card, it's because the numbers check out for the described user profile, not because of commission rates.

I flag when a card is only worth it for specific spenders, and I update pages when issuers quietly change reward rates (which happens more than most people notice).

I also spend a lot of time on Reddit, TechnoFino, and DesiDime reading what real cardholders say after six months of actual usage, because launch-day reviews miss a lot.

Finally, about the card data I post about...

I manually structured a database of 493 Indian credit cards with fields that don't exist anywhere else: earn rates broken out by spend category, benefit caps, partner exclusions, computed reward ROI per ₹1,000 spent, and 95+ different fields, sourced from official issuer pages, MITC documents, and community verification.

I want to make it possible for anyone to understand credit cards and pick the best one.