Credit Card Rewards & Spend Calculator
Enter your real monthly spend across shopping, grocery, dining, fuel, and UPI. Our mathematical engine calculates verified rupee returns, spend-fee waiver progress, reward cap headroom, and objective CardIntel Scores without editorial bias.
Your Monthly Spends
₹65,000/moEnter or adjust spend amounts to recalculate net rewards across all verified cards
Essentials
Blinkit, Zepto, Instamart, DMart
HPCL, BPCL, IndianOil stations
Electricity, mobile recharges, broadband
Local merchant QR codes via UPI
Lifestyle & Shopping
Amazon, Flipkart, Myntra, Tata CLiQ
Swiggy, Zomato, cafes & restaurants
Malls, retail counters, pharmacies
Subscriptions, insurance, miscellaneous
Travel & Forex
Flights, hotels, IRCTC trains, MakeMyTrip
USD, EUR, GBP cross-currency transactions
Personalized Card Recommendations
(10 Qualified Cards)
Official credit card issued by HDFC Bank. Verified against official MITC filings.
- •Outstanding 102.10% net annual reward yield on your spend.
- •Complimentary airport lounge access (999 visits/year worth approx ₹7,99,200).
- •Annual fee of ₹11,800 applies (need ₹20,000 more spend to waive).
Official credit card issued by HDFC Bank. Verified against official MITC filings.
- •Outstanding 11.30% net annual reward yield on your spend.
- •Annual fee of ₹10,000 is 100% waived based on your annual spend.
- •Complimentary airport lounge access (99 visits/year worth approx ₹79,200).
Official credit card issued by RBL Bank. Verified against official MITC filings.
- •Outstanding 9.70% net annual reward yield on your spend.
- •Complimentary airport lounge access (99 visits/year worth approx ₹79,200).
- •Annual fee of ₹11,800 applies (need ₹2,20,000 more spend to waive).
Official credit card issued by Axis Bank. Verified against official MITC filings.
- •Outstanding 9.40% net annual reward yield on your spend.
- •Complimentary airport lounge access (99 visits/year worth approx ₹79,200).
- •Annual fee of ₹14,750 applies (need ₹17,20,000 more spend to waive).
Unconditional Lifetime Free premium credit card with 1.5% low forex markup, complimentary domestic and international lounge visits, and movie ticket discounts.
- •Outstanding 5.30% net annual reward yield on your spend.
- •Zero annual fee (Lifetime Free card).
- •₹6,000 in quarterly/annual milestone vouchers unlocked.
- •Complimentary airport lounge access (32 visits/year worth approx ₹25,600).
Official credit card issued by American Express (American Express Platinum Travel Credit Card). Features verified MITC terms, rewards, and eligibility.
- •Outstanding 5.20% net annual reward yield on your spend.
- •Annual fee of ₹5,000 is 100% waived based on your annual spend.
- •₹25,000 in quarterly/annual milestone vouchers unlocked.
- •Complimentary airport lounge access (8 visits/year worth approx ₹6,400).
Official credit card issued by RBL Bank. Verified against official MITC filings.
- •Outstanding 4.40% net annual reward yield on your spend.
- •Annual fee of ₹3,000 is 100% waived based on your annual spend.
- •₹18,000 in quarterly/annual milestone vouchers unlocked.
- •Complimentary airport lounge access (10 visits/year worth approx ₹8,000).
Official credit card issued by IDFC FIRST Bank. Verified against official MITC filings.
- •Outstanding 4.30% net annual reward yield on your spend.
- •Complimentary airport lounge access (32 visits/year worth approx ₹25,600).
- •Annual fee of ₹588.82 applies (need ₹20,000 more spend to waive).
Official credit card issued by AU Small Finance Bank. Verified against official MITC filings.
- •Outstanding 4.20% net annual reward yield on your spend.
- •Annual fee of ₹7,999 is 100% waived based on your annual spend.
- •₹10,999 in quarterly/annual milestone vouchers unlocked.
- •Complimentary airport lounge access (16 visits/year worth approx ₹12,800).
Official credit card issued by IndusInd Bank. Verified against official MITC filings.
- •Outstanding 3.70% net annual reward yield on your spend.
- •Complimentary airport lounge access (40 visits/year worth approx ₹32,000).
- •Annual fee of ₹11,800 applies (need ₹2,20,000 more spend to waive).