Credit Cards
Up to ₹14,200extra rewards / yearWe read your real spend and rank every card by what it would actually earn you.
Featured Partners
- HDFC BankHDFC Millennia
- SBISBI Cashback
Compare every credit card, loan & fixed deposit in India ranked by what they'd actually pay you
Naxelona reads one bank statement and ranks every India financial product by real value to you. Free forever — banks pay us, never you. No credit-score impact.
Compares offers across leading local and global banking partners.
Products
3 ways Naxelona pays you back
Every product is scored against your real spending and eligibility — not paid placement.
Home Loans
From 8.40%p.a. · up to ₹10 CrModel your home-loan EMI with LTV and tax benefits, ranked across every lender.
Personal Loans
From 10.50%p.a. · disbursal in minutesCheck your pre-approved limit and EMI across lenders — no impact on your score.
How it works
How Naxelona works
1. Connect your bank
Share read-only data via the RBI Account Aggregator — or upload a statement as a fallback. Consent is explicit and revocable.
2. We analyse your spend
Income, categories and eligibility are computed in seconds. Raw data is deleted within 24 hours and never sold.
3. Get ranked matches
Every card, FD and loan is scored by real rupee value to you — with the methodology shown, not hidden.
Transparency
Representative rates, fees & charges
Indicative ranges across partner banks, shown up-front for transparency.
| Product | Indicative rate | Typical fees & charges |
|---|---|---|
| Credit cards | 3.40%-3.50% per month finance charge | Annual fee ₹0-12,500; forex markup 2.0-3.5%; interest-free up to 50 days when paid in full. |
| Personal loans | 10.50%-24.00% p.a. (reducing balance) | Processing fee up to 2% + GST; tenure 12-60 months; foreclosure charges may apply. |
| Home loans | From 8.40% p.a. (floating, repo-linked) | LTV up to 90%; tenure up to 30 years; processing fee 0.25-0.50%. |
| Fixed deposits | Up to 8.25% p.a. (8.75% for senior citizens) | DICGC-insured up to ₹5 lakh per bank; TDS deducted u/s 194A above threshold. |
Representative example: a ₹5,00,000 personal loan over 36 months at 14% p.a. = EMI ₹17,090, total repayable ₹6,15,240, including a one-time processing fee of ₹5,000. Credit at the sole discretion of the lender.
FAQ
Frequently asked questions
Is Naxelona free to use?
Yes. Naxelona is free for consumers — partner banks pay us a flat referral fee that cannot change the order of your results. You never pay to compare or apply.
Will checking my eligibility affect my credit score?
No. Naxelona uses a soft eligibility check and your consented Account Aggregator data, neither of which leaves a hard enquiry on your credit report.
How does Naxelona read my bank statement?
Through the RBI-regulated Account Aggregator framework with your explicit, revocable consent — or a one-time statement upload as a fallback. Raw data is deleted within 24 hours and never sold.
Which products can I compare on Naxelona?
Credit cards, personal loans, home loans and fixed deposits, from more than 25 Indian banks — each ranked by what it would actually earn or cost you.