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Cards · Accounts · Insurance · Loans

The value in
your card,
kept in circulation.

Banks pay a bounty for every customer they sign. Most platforms keep all of it. We hand you most of it back — and turn the lounge visits and free tickets you never used into cash.

Check my eligibility Earn as an agent

Soft check first. No hit to your credit score until you choose to apply.

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One approved card · illustration Axis Bank · free to apply
You receive₹1,000
Joining fee, if anyWaived
Cost to apply₹0
Paid outOnce active

Paid to your wallet once the card is active and the bank has settled. We never promise money we haven't received.

How the money moves

Three ways to be paid,
one account.

Apply through us and the bank's acquisition budget comes back to you. Sell a perk you weren't going to use. Or bring other people in and take a cut. Each one feeds the next.

Engine A

Get paid to open the right product

Cards, savings accounts, health cover and loans from partner banks and insurers. We rank by what you'll actually be approved for, then share the commission with you.

Engine B

Reach an offer you don't hold the card for

Tell us the deal you're trying to reach. We'll either connect you to it, or show you the card that unlocks that offer and every one after it — free to join.

Engine C

Sell the perks you never use

Lounge visits and free movie tickets expire quietly every month. List yours and get paid, or buy someone else's for a fraction of the counter price.

Engine A · Distribution

We only show you
cards you'll get.

A rejected application costs you a hard enquiry and a lower score. So we run a soft check first and rank every card by approval probability against the reward it pays you. Red cards stay hidden.

1
Soft check, no score impact

Income band, employment type, city and PAN. Nothing is submitted to a bank yet.

2
Ranked by what you'll be approved for

Each card shows a live approval indicator and the exact rupee reward.

3
Apply with everything pre-filled

Documents and e-KYC in one pass. Then track it: submitted, approved, dispatched, active.

4
Reward released

Once the card is active and the bank has settled, your money moves to the wallet and out by UPI.

Your matches4 cards

Move the slider to see how the list changes.

What you get

Free to you,
at every step.

You are never charged to apply, and you are never charged to use the exchange. Pick a scenario.

You receive
₹1,000

A standard approved credit card, applied for directly through the app.

Engine C · Benefit exchange

Perks expire. Cash doesn't.

Most lounge-benefit cards give 4–12 free visits a year. Most people use two. The rest quietly expire while someone in the same terminal pays ₹1,200 for a domestic lounge, or ₹2,500 before a long-haul flight. That's the market.

International lounge

Live
₹999₹2,500

Before a long-haul departure. Bring your boarding pass and photo ID — international desks check both.

You save₹1,501
Booking feeNone
If entry is refusedFull refund

Domestic lounge

Live
₹499₹1,200

Same lounge, same 90 minutes. Choose your airport and terminal, buy the slot, walk in.

You saveUp to ₹1,001
Booking feeNone
If entry is refusedFull refund

Movie tickets, two seats

Live
₹300₹500

A cardholder with an unused buy-one-get-one benefit books both your seats. Same show, same row, one price for the pair.

What you get2 tickets
You save₹200
Booking feeNone
Released afterEntry confirmed

Card-linked offers

Beta
Varies

Chasing a discount that needs a card you don't hold? Tell us which one. We'll show you the card that unlocks it — joining fee on us.

Typical saving₹1,500
Cost to you₹0
Better stillOwn the card
Why we'd rather sell you the card

If you're buying lounge access three times a year, you don't need us — you need a card that includes it. We'll tell you that, because a travel card is worth more to us than any single visit ever will be, and it leaves you better off. That's the whole model working as intended.

Agent network

Bring people in.
Get paid on approval.

No investment, no stock, no targets to buy into. Get certified, share your link, and earn on every application that's approved. Your commission rises as your volume does.

Bronze
₹800
0–10 a month
Silver
₹1,000
11–30 a month
Gold
₹1,150
31–75 a month
Platinum
₹1,300
75+ and a bonus
Earnings calculator
You earn, per month
₹0
Silver tier · ₹1,000 per approved card
Credit cards₹0
Savings accounts₹0
Insurance₹0
Instant payout fee₹0
A year₹0

Illustration only. Actual earnings depend on approval rates, bank payouts and product mix, and commissions are subject to TDS.

Notes

What we're learning,
written down.

Admin
New post

Write it here, preview it, then copy the generated block into the POSTS list in this file's code. That's what puts it live for everyone — a preview only lives in this browser tab.

Paragraphs, headings, bullets, quotes, bold and links are supported.

0
Credit cards in circulation in India
0
Year-on-year growth in cards issued
₹1.97T
Monthly card spend nationally
0
Of Indians hold a credit card

Market figures are from Reserve Bank of India card statistics for April 2026 and are shown for context. They describe the market Card Crest operates in, not Card Crest's own performance.

How we handle your money and data

The boring part,
written plainly.

Payouts

We pay after the bank pays us

Usually 60–75 days from approval, then within five days to you. It's slower than platforms that pay upfront, and it's the reason we can keep paying at all.

Money in transit

Held by a licensed partner

Funds for exchange purchases sit in escrow with an RBI-authorised payment aggregator until delivery is confirmed — never in our own account.

Your data

Used to match, never sold

Bureau and KYC data are used to check eligibility and complete your application. We don't sell it, and you can withdraw consent and delete your profile.

Approvals

No one can guarantee one

The bank decides, always. We improve your odds by not letting you apply for cards you're unlikely to get. Anyone promising guaranteed approval is lying to you.

Fees

Free to you, at every step

We're paid by banks, insurers and lenders. You're never charged to apply, and where we promise a joining fee waiver, we cover it up to the stated amount for the first year.

Questions or complaints

Write to a person

Reach us at admin@cardcrest.in for anything about an application, a payout or your data. Grievances go to the same address and we'll acknowledge them.

Agents

Certified, tracked, removable

Every agent is KYC-verified and trained before they can source a single application. Fraudulent activity means immediate removal and forfeited commission.

What we are

A distributor, not a bank

We don't lend, issue cards or underwrite insurance. Every product on Card Crest belongs to a partner bank, NBFC or insurer, and their terms are the ones that bind.

Your documents

Shared once, with one bank

KYC documents go to the bank you chose to apply to, and nowhere else. They travel encrypted, and you can ask us to delete them once your application closes.

Find out what you'd
actually get approved for.

Two minutes, a soft check, and a straight answer — including if the answer is "wait three months and fix this first".

Check my eligibility Join as an agent

Available in English and हिन्दी.