New Delhi, Sept. 9 -- Getting the right credit card used to mean comparing annual fees, reward rates, and perhaps lounge access. For a growing number of cardholders, it now resembles portfolio management.

Which cards should you hold? Which one should pay for groceries, insurance, utilities, or a large purchase? Should reward points be converted into airline miles or hotel points, or simply used to settle the monthly bill? When a card gets devalued, what should replace it? And when it is finally time to travel, which redemption route offers peak value?

To answer these questions, a rising crop of platforms and independent consultants-including The Points Code, CardExpert, 1A, and LiveFromALounge founder Ajay Awtaney-now provide personalis...