Author: <span>Anviti Desai</span>

Anviti is a personal finance and fintech journalist with over five years of hands-on experience writing about and reviewing credit cards, reward ecosystems, and banking products across India’s rapidly evolving financial landscape. Unlike many finance writers who rely solely on bank websites and press releases, Anviti actively holds and uses multiple credit cards across categories—cashback, travel miles, co-branded, fuel, rewards, and lifetime free. She personally tracks redemptions, fee waivers, reward devaluations, and benefit changes as they happen. Her insights are backed by real rupee calculations and practical usage, not broad estimates or marketing claims. Her work is driven by one clear goal: helping everyday Indian consumers cut through complex bank promotions to understand what a credit card is truly worth based on their unique spending patterns. She has researched and compared over 100 Indian credit cards across major issuers including HDFC, Axis, SBI, ICICI, Kotak, and other leading banks. Anviti is based in India and currently resides in the mountains, where she continues to track and analyze the country’s dynamic credit card ecosystem.