About

Swipe Wapsi is an independent information site for people in India who want to compare cashback and reward credit cards on their own numbers. "Wapsi" means "return": the site is about what a card actually gives back once caps, exclusions, the annual fee with 18% GST and any interest are counted.

The guides explain how cashback and reward points are calculated, how joining and annual fees and spend-based waivers work, how interest is quoted as a monthly percentage, how GST applies, and what the Reserve Bank of India's credit card directions say about billing cycles, the minimum amount due, unsolicited cards, card closure, network choice and credit reporting. They also cover UPI on RuPay credit cards, foreign currency markup, credit scores, fraud liability and the complaint route to the RBI Ombudsman.

The site does not rank cards or banks, does not publish offers, and does not take applications. Fees, earn rates and caps in examples are illustrative, not quotes. Rules are summarised from official sources such as the RBI, NPCI and the GST portal, which you should check before acting. Nothing here is financial, tax or legal advice; for large debts or disputes, speak to the issuer, a registered adviser or a lawyer.

How this site is made

Swipe Wapsi is an independent information project. Guides are drafted with the help of AI writing tools and checked against official and primary sources before publication; see our Editorial Policy. We are not affiliated with any provider mentioned on the site and do not sell products or services.