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Welcome To
Master of Credit Card
your trusted guide to making the smartest use of credit cards.
We help you choose the right card based on your lifestyle, expenses, and goals — whether it’s saving money, earning rewards, or building your credit score.
With our expertise, you’ll discover:
- The best credit card offers from top banks
- Tips to maximize cashback & rewards
- Insights on CIBIL score & credit health
- Guidance for first-time card users as well as advanced users
Our mission is simple: to make credit cards work for you, not against you.
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Certified
Transparant
Best-Match Recommendations
Fast, Assisted Onboarding
Banking Solution That Works Around You in Easy Way
At Master of Credit Cards, we blend expertise with innovation, creating a dynamic force in the financial services industry. Founded by Hardik Vaghela, a visionary with a background in civil engineering and over five years of experience, our company stands as a beacon of reliability and success.
Customize And manage Your Own Credit Card
Embark on a journey that began with Quality Application Solutions Pvt Ltd, evolved through challenges in the RKPL and Ruloans, and now envisions a future of independence as we are a Direct DSA for credit cards.
Hardik Vaghela
Hi, I’m Hardik Vaghela, founder of Master of Credit Card.
For the past few years, I have been helping individuals, professionals, and business owners select the right credit card and maximize benefits from their daily expenses.
Through my experience in the credit card industry, I’ve seen many people lose money simply because they chose the wrong card or didn’t know how to use it wisely.
That’s why I started Master of Credit Card — to share practical knowledge, real strategies, and bank-approved solutions so that you can save more, earn rewards, and improve your credit score with confidence.
My vision is simple: to guide people honestly and transparently, just like I guide my own clients.
Vision
My vision is to make Indian users save maximum through credit card & enjoy its benefits that credit card offers.
Mission
By offering my credit card knowledge to existing credit card users and offering them best possible credit card as per their requirement and expenses.
Our Services
Frequently Asked Questions
What is the minimum CIBIL score required to apply for a credit card?
Most banks prefer a CIBIL score of 750+ for easy approval. However, some banks also offer credit cards for first-time users or individuals with lower scores, often in the form of secured credit cards (against a fixed deposit).
What are the main benefits of using a credit card?
Reward Points & Cashback.
•Airport Lounge Access.
•Fuel & Travel Discounts.
•EMI Conversion for big purchase.
•Improved Credit Score if used responsibly
Which is better – having one credit card or multiple credit cards?
Having multiple cards can be beneficial if used wisely:
• You can maximize rewards on different categories (shopping, fuel, travel).
• You get a higher overall credit limit, which helps improve your credit score.
But, you must manage repayments on time to avoid penalties.
How do I choose the right credit card for myself?
It depends on your lifestyle & Daily expenses.
• Frequent traveler → SBI cashback,Federal bank scapia
• Online shopping → SBI Cashback,Axis flipkart
• Beginner → Lifetime Free Card with basic benefits
Will applying for multiple credit cards affect my CIBIL score?
Yes, applying for too many cards in a short period can negatively affect your score because of hard inquiries. However, once approved and used responsibly (low utilization + timely bill payments), credit cards actually improve your CIBIL score over time.
We do corporate work also by company to company
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Address
Shop No. - 408, 409, 410 AR Bhatar Trade Center-B, Bhatar Road, Bhatar Char Rasta, Surat - 395007
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