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Folio

Know what your credit card is actually worth.

Card rules turned into numbers you can check. Every reward rate is computed by deterministic code from versioned terms, every change is diffed against the previous version, and every figure links back to its source.

Value my spending Browse cards
Real cards tracked
190
4 with published versions · 186 details in progress
Issuers
15
India
Changes recorded
4
Rule-level, with evidence
Last checked
4 min ago
Official issuer sources · production hides samples

Cards marked Issuer documents have published rules based on issuer documents; their rules have not been independently verified.How cards are checked

Market changes

What changed, when it takes effect, and what it costs.

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Devaluations

No devaluations recorded.

Enhancements

No enhancements recorded.

Launches and discontinuations

  • Added to Folio Issuer documents

    EazyDiner Credit Card · IndusInd Bank

    Added to Folio; original launch date not established

    Dates, evidence and confidence
    • Issuer effective date: Unknown
    • Rules first recorded in Folio: 28 Oct 2026
    • Announced: —
    • Discovered: 28 Oct 2026
    • Confidence: Likely
    • Evidence (Product Page, retrieved 28 Oct 2026): Joining Fee: Rs. 2,999
  • Added to Folio Issuer documents

    MoneyBack+ Credit Card · HDFC Bank

    Added to Folio; original launch date not established

    Dates, evidence and confidence
    • Issuer effective date: Unknown
    • Rules first recorded in Folio: 28 Oct 2026
    • Announced: —
    • Discovered: 28 Oct 2026
    • Confidence: Likely
    • Evidence (Product Page, retrieved 28 Oct 2026): Joining/Renewal Membership Fee - Rs. 500/- + Applicable Taxes
  • Added to Folio Issuer documents

    Quantum Plus Credit Card · IDFC FIRST Bank

    Added to Folio; original launch date not established

    Dates, evidence and confidence
    • Issuer effective date: Unknown
    • Rules first recorded in Folio: 28 Oct 2026
    • Announced: —
    • Discovered: 28 Oct 2026
    • Confidence: Likely
    • Evidence (Product Page, retrieved 28 Oct 2026): Quantum+ is a lifetime free credit card with no joining and annual fees.

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Unlimited international loungeRuPay cards earning on UPIUnder ₹5,000 with golfAirline transfer partnersForex under 2%Over 3% on travel

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Card timelines

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Highest base return

Conservative value on general spending, after converting points at published rates.

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