Honest reviews of Indian credit cards & D2C brands.
We read the key-fact statement so you don't have to. Every page tells you the fees, the eligibility, the small print, and the alternative — then we link out. If we earn a commission, we say it up front.
Credit cards — reviewed in detail
Four cards, three very different reasons to apply for them. Pick by the spend pattern, not the marketing.
Kotak Cashback Plus
5% cashback on online food, grocery and entertainment, capped at ₹6,000/yr. Best for moderate online spenders.
Kotak League Platinum
2X rewards on travel and departmental stores, free PVR tickets on a ₹1.25 L spend window. Mid-tier rewards card.
SBM ZET
FD-backed RuPay card. 100% approval. Up to 15% cashback on 80+ brands. Built for people building credit.
SBM Novio
FD-backed, lifetime free. 10X coins on fuel, 5X on UPI. 2.49% forex — one of the lowest among entry cards.
D2C skincare — the brands worth comparing
India's two biggest D2C skincare names plus a niche pick. Read the comparison →
Marketplace sales — when to bother
Most marketplace "sales" are bullshit. Here's the short list of when a Flipkart / Myntra / Ajio / Reliance Digital sale is actually worth a click.
More tools we built (same honesty, different topic)
Free utilities under the protodex.io umbrella, all single-page, no signup, no tracking.
🧾 GST Invoice Generator
Auto IGST/CGST/SGST split + HSN lookup + PDF download. Form persists in browser. No signup.
🏠 Property Total-Cost Calculator
Stamp + reg + GST + parking + clubhouse + 6-mo maintenance + utility deposits. 12 states. The number nobody else shows.
💰 EPF / UAN Walkthrough
Balance check via 3 methods (ranked by reliability) + forgot password recovery + 7 common errors decoded.
⏰ Cron Explainer + Builder
Plain English ↔ cron, both ways. Next 10 run times. Systemd timer equivalent. Pure JS, no signup.
🛡️ MCP Server Boilerplate
Production-grade Python scaffold. Auth + rate limit + sandboxed tools + Fly.io deploy. $79 one-time, lifetime updates.
📊 AWS Bill Audit — $500
20-pattern checklist applied to your AWS bill. 72-hour turnaround. No savings = no fee.
How we make money
If you click a link and apply for the card or buy the product, the merchant pays us a small commission. You pay nothing extra. We never recommend a product purely because the commission is higher — every review notes "don't apply if..." conditions where the card is wrong for you.
Sites that ranked every Indian credit card "best" got hammered by Google's Helpful Content update in 2024. We don't do best-of-list listicles. We review one product at a time and tell you who shouldn't apply.