credsutra.in

{
  "name": "calculateCardRewards",
  "kind": "act",
  "impl": "imperative",
  "description": "Calculates the estimated monthly reward yields for top Indian credit cards based on spend categories.",
  "inputSchema": {
    "type": "object",
    "properties": {
      "monthlySpend": {
        "type": "number",
        "description": "The user estimated monthly spend amount in INR (e.g. 50000)."
      },
      "onlineSpendPercentage": {
        "type": "number",
        "description": "Percentage of total monthly spend conducted online (e.g. 70)."
      }
    },
    "required": [
      "monthlySpend",
      "onlineSpendPercentage"
    ]
  },
  "page": "/mcp/"
}

{
  "name": "compareCards",
  "kind": "act",
  "impl": "imperative",
  "description": "Compares two credit cards side-by-side highlighting devaluations, fees, and travel perks.",
  "inputSchema": {
    "type": "object",
    "properties": {
      "cardA": {
        "type": "string",
        "description": "The key/id of the first card (e.g. \"hdfc-regalia-gold\", \"sbi-cashback\")."
      },
      "cardB": {
        "type": "string",
        "description": "The key/id of the second card (e.g. \"au-ixigo\", \"diners-club-privilege\")."
      },
      "compact": {
        "type": "boolean",
        "description": "Optional. If true, returns a compact comparison payload omitting repetitive raw specifications."
      }
    },
    "required": [
      "cardA",
      "cardB"
    ]
  },
  "page": "/mcp/"
}

{
  "name": "checkLoungeEligibility",
  "kind": "answer",
  "impl": "imperative",
  "description": "Reports whether airport lounge eligibility can be established from accepted issuer, network and spend conditions; returns unavailable while terms are under review.",
  "inputSchema": {
    "type": "object",
    "properties": {
      "cardId": {
        "type": "string",
        "description": "The identifier of the credit card."
      },
      "quarterSpend": {
        "type": "number",
        "description": "Amount spent on the card in the previous calendar quarter in INR."
      }
    },
    "required": [
      "cardId",
      "quarterSpend"
    ]
  },
  "page": "/mcp/"
}

{
  "name": "recommendCards",
  "kind": "act",
  "impl": "imperative",
  "description": "Recommends the top credit cards based on a user spend profile and existing owned cards.",
  "inputSchema": {
    "type": "object",
    "properties": {
      "profile": {
        "type": "object",
        "description": "User profile object containing monthlySpend, spendSplit, and optional wantsLounge."
      },
      "ownedCards": {
        "type": "array",
        "items": {
          "type": "string"
        },
        "description": "Array of card slugs the user already owns."
      },
      "scenario": {
        "type": "string",
        "enum": [
          "floor",
          "portal",
          "as-published"
        ],
        "description": "Optional redemption channel to value reward points at (issue #159). Defaults to 'as-published', which returns each card's own published percentages unconverted and discloses that they embed the issuer's undisclosed point valuation. 'floor' values points at the card's worst readily-accessible liquid channel (statement credit / catalogue voucher) — the guaranteed cash-in-hand comparison. 'portal' values them at the issuer's own travel portal. Either scenario EXCLUDES cards whose conversion chain is not fully published rather than estimating one, so a scenario result covers fewer cards; the excluded count is returned in `quarantined`."
      }
    },
    "required": [
      "profile"
    ]
  },
  "page": "/mcp/"
}

{
  "name": "getCardReview",
  "kind": "answer",
  "impl": "imperative",
  "description": "Retrieves the detailed editorial review, fee waiver terms, lounge access rules, reward earn rates, and key facts for any Indian credit card.",
  "inputSchema": {
    "type": "object",
    "properties": {
      "cardId": {
        "type": "string",
        "description": "The slug or identifier of the credit card (e.g. \"hdfc-regalia-gold\", \"sbi-cashback\", \"au-ixigo\")."
      },
      "locale": {
        "type": "string",
        "enum": [
          "en",
          "hi",
          "hinglish"
        ],
        "description": "Optional language locale. Defaults to 'en'."
      }
    },
    "required": [
      "cardId"
    ]
  },
  "page": "/mcp/"
}

{
  "name": "getLatestNews",
  "kind": "answer",
  "impl": "imperative",
  "description": "Fetches the latest credit card news, devaluation tracker updates, milestone cuts, fee revisions, and upcoming policy changes.",
  "inputSchema": {
    "type": "object",
    "properties": {
      "bank": {
        "type": "string",
        "description": "Optional bank or issuer filter (e.g. 'HDFC Bank', 'Axis Bank', 'SBI', 'American Express')."
      },
      "cardId": {
        "type": "string",
        "description": "Optional affected card slug filter (e.g. 'hdfc-regalia-gold', 'amex-platinum-travel')."
      },
      "limit": {
        "type": "number",
        "description": "Maximum number of news/devaluation records to return (default 5, max 20)."
      }
    }
  },
  "page": "/mcp/"
}