16 Jun 2026

India’s biggest credit-card challenge. 15 scenarios, one leaderboard.

₹1,00,000

Total Prize Pool

Includes a personalised wallet audit, regardless of your final rank.

Built by independent credit-card experts

The Breakdown

Here’s exactly what you’re playing for.

Top performers win gift vouchers.

1st Place

₹40,000gift voucher

2nd Place

₹20,000gift voucher

3rd Place

₹10,000gift voucher

4th – 10th

₹2,000voucher, each

11th – 100th

₹199refund, each

The Quiz, Up Close

These are the kind of questions you’ll see.

Real scenarios. Four options. One right answer. The full quiz has 15 of these — try a sample now.

Interest MathHard

Amit gets a ₹50,000 bill but pays only the 'Minimum Due' of ₹2,500. What happens to the remaining ₹47,500?

  • Interest is charged on the full ₹50,000 from Day 1, not just ₹47,500
  • Interest is charged only on the unpaid ₹47,500
  • He gets a 30-day interest-free grace period on ₹47,500
  • Interest begins only after the next due date passes
Hidden CostsHard

In Dubai, a shopkeeper offers to charge Priya's Indian card in INR instead of AED so she 'knows the exact price.' Her card has a 3.5% forex markup. Should she accept?

  • No — the merchant's Dynamic Currency Conversion (DCC) rate is typically 5–7% worse than the bank's markup
  • Yes — paying in INR avoids the bank's foreign currency markup entirely
  • Yes — INR billing is safer for CIBIL reporting of international transactions
  • It doesn't matter — the final cost is always identical
CIBIL LogicMedium

Amit closes his 8-year-old credit card to avoid the ₹2,000 annual fee. His CIBIL score drops the next month. Why?

  • Closing it reduces his average credit age AND lowers his total credit limit, pushing utilization up — both hurt his score
  • CIBIL penalizes any voluntary card closure
  • Only the unpaid balance matters; closing with zero balance has no impact
  • His score drops temporarily but fully recovers in 30 days
Try the full sample test

Free · 8 questions · 3 minutes

What ₹199 Buys

Two real things. Both yours when you register.

No subscription
No upsells
No hidden fees

01

Compete

On 16 June

15 questions.
One leaderboard.

Real-money scenarios, four options each. Top 100 finishers win gift vouchers or get a full ₹199 refund. No luck, no chance — just credit-card thinking.

Leaderboard · sample
1Anaya R.
15 / 15₹40,000
2Rohan K.
14 / 15₹20,000
3Priya M.
13 / 15₹10,000
……
100The cutoff
10 / 15₹199 back
02

Take home

7 days post-quiz

A report tailored
to your wallet.

You tell us which cards you hold. We tell you the one card you’re missing — and what it would have earned you last year.

  1. Register
  2. →
  3. Share your cards
  4. →
  5. Quiz, 16 June
  6. →
  7. Report in 7 days

Sample

Your Card IQ Report

CardIQ

WalletAmazon Pay ICICI · HDFC Millennia

GapNo travel card

~₹8,000/yr lost to forex markup

MoveHSBC TravelOne Credit Card

Best fit for your spend

Sample · your real one will be tailored

Limited slots · 16 June 2026

Built by

Two people who’ve spent years figuring out what banks don’t tell you.

No bank partnerships
No paid placements
100% data-driven analysis

Himanshu Agarwal
@allthingscreditcard

Himanshu Agarwal

All Things Card

Built the All Things Card community from scratch—now helping 47.6K+ followers find their perfect credit card combinations and plan vacations on points and miles. He audits every card on his own dime before recommending it.

Himank Kansal
@cardexpress.in

Himank Kansal

CardExpress

Founder of CardExpress, an independent credit-card platform with no bank partnerships. Six years in fintech taught him that nobody was doing the math honestly. Today, he’s demystifying the industry, providing data-backed, unbiased analysis to help you optimize your rewards and build the perfect wallet.

One last thing

Register now to experience one of India’s biggest thrills in the credit card space.

16th June·₹199 Early Bird·₹1,00,000 Prize Pool

Limited slots · Skill wins