Credit cards are India's fastest-growing retail product. The leads here come pre-qualified on income and spend profile: first-time cards for new salaried hires (₹50K–₹1L/mo), premium travel cards for ₹15L+ annual spenders (Infinia / Magnus / Reserve tier), super-premium for ₹40L+ founders and HNI individuals, and business cards for proprietors. The marketplace skews towards customers comparing benefits across 2-3 issuers — the claiming banker who pitches the cleanest reward / annual-fee math usually wins. Especially active during festive seasons.