Credit card intelligence for modern fintech products

Access MITC-verified card data, rewards calculations, spend optimization, and recommendation logic across 150+ Indian credit cards.

Request API Access View documentation

GET/api/v1/cards/hdfc-infinia-metal

Request

1curl -X GET \

2 "https://api.cardcheck.in/api/v1/cards/hdfc-infinia-metal" \

3 -H "Authorization: Bearer YOUR_API_KEY"

Response

200 OK18ms

2 "id": "hdfc-infinia-metal",

3 "name": "Infinia Metal Credit Card",

4 "bank": "HDFC Bank",

5 "network": "VISA",

6 "card_type": "Premium",

7 "fees": {

8 "joining_fee_inr": 12500,

9 "annual_fee_inr": 12500,

10 "forex_markup_pct": 2.0,

11 "interest_free_days": 50

12 },

13 "eligibility": {

14 "min_age": 21,

15 "min_cibil_score": 750

16 },

17 "features": {

18 "is_contactless": true,

19 "is_metal": true,

20 "fuel_surcharge_waiver": true

21 },

22 "attribution": {

23 "source": "CardCheck Intelligence"

24 }

25}

CardCheck Intelligence EngineFull schema docs

API ARCHITECTURE

Structured for speed, privacy, and zero data leakage.

Lightweight UI selectors separated from black-box calculation engines. Compute verified decision intelligence on every transaction without exposing bank multiplier matrices.

Layer 1Live

Card Selector & Factsheet

Search & lookup endpoints for wallet dropdowns. Returns verified card specs with no copyright restrictions.

GET/api/v1/cards/search?q=hdfc

GET/api/v1/cards/:cardId

Card name, bank, network & high-res icon

Joining fee, annual fee & spend waiver

Forex markup %, UPI linkability & min income

Starter TierInstant Access →

Layer 2Live

Decision & Spend Optimizer

Real-time engine that evaluates merchant rules (Swiggy, Amazon, Fuel) and returns the best card for any transaction.

POST/api/v1/optimize/spend

POST/api/v1/recommend/cards

Live cashback & reward point calculations

Swiggy, Zomato, Amazon partner mixes

Net annual ROI calculations & rankings

Powers PFM apps & checkoutsGet Credentials →

Layer 3MCP · AI Agents

AI Agent Integration

Official MCP server for Claude, Cursor & Antigravity. One tool call gives AI agents live card advice and spend optimization.

MCPcardcheck_advisor

POST/api/v1/telemetry/mcp

Works with Claude Desktop, Cursor & Antigravity

Offline mode built-in — no API key to start

Live sync with full card data via API key

@cardcheck/mcp-serverGet API Key →

MODEL CONTEXT PROTOCOL (MCP)

Ground AI agents in verified credit card math

Connect Claude Desktop, Cursor IDE, or custom autonomous agents directly to CardCheck's calculation engine. Your AI assistants can query card factsheets and compute spend optimization without hallucinating bank multipliers.

Verified MITC Dataset: Official spend multipliers, lounge rules & fee milestones.

Autonomous Tool Invocation: LLM agents automatically pick the optimal card in <30ms.

Standard MCP stdio: Works out of the box with Claude Desktop & Cursor.

Request MCP Credentials Explore Tools Schema

tool: cardcheck_advisor

// Agent executes unified cardcheck_advisor tool call:

> call_tool: "cardcheck_advisor"

Input Arguments:

{
  "action": "optimize_spend",
  "spend_amount_inr": 6000,
  "merchant": "swiggy",
  "category": "dining"
}

Return (Structured JSON):

{
  "action": "optimize_spend",
  "top_recommendation": {
    "card_name": "HDFC Bank Infinia Metal Credit Card",
    "bank": "HDFC Bank",
    "estimated_reward_inr": 996,
    "effective_rate_pct": 16.6,
    "reason": "16.6% return on Swiggy via SmartBuy"
  },
  "alternative_options": [
    { "card_name": "Swiggy HDFC Bank Credit Card", "effective_rate_pct": 10.0, "estimated_reward_inr": 600 },
    { "card_name": "Axis Bank Cashback Credit Card", "effective_rate_pct": 10.0, "estimated_reward_inr": 600 }
  ]
}

Protocol: Model Context Protocol (MCP v1.0)Verified Math · Zero Hallucination

VERIFIED API ONBOARDING

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