Which card gives you the most value?
Enter your monthly expenses to compare annual cashback, points, fees and net value across 87 Axis, HDFC and SBI cards. Every result shows its earning scope and redemption conditions.
26 models have a documented cashback or bill-credit route, subject to their input conditions. Other cards can use the displayed catalogue reference or your current redemption quote. Vistara results cover only the remaining programme period. IndianOil Easy still needs variant-specific earning terms; a bank-confirmed monthly earning input is available meanwhile.
Your current card
Select any card to see its annual calculation, source and conditions.
Monthly spending profile
Enter eligible domestic purchases you repay in full. Each category repeats for 12 months; exclude rent, insurance, education, government, jewellery, wallet loads, gift cards and EMI.
Payment channels, rounding & redemption options
Make the estimate yours
Optional scenarios apply the qualifying channel specified by each issuer. Unselected accelerators are excluded.
Use actual transaction amounts for rounding and caps
By default each category is one transaction per month. To replace that assumption, enter a category key and comma-separated amounts that add up to its monthly total. Example: offline: 2000, 3000, 7000.
Selected card’s redemption route
You can replace a reference estimate with a current, available redemption you would actually buy. For a flight, usable value is the cash fare you would pay minus the cash co-payment on the award; enter any other award fees separately, without counting them twice. Enter its usable value, points needed, all charges including tax and confirmed annual quantity limit. Values stay personal to this card.
Your selected card, explained
Personalized ranking
Annual results for every card
Calculating comparable results…
Cashback and conditional bill-credit estimates are ranked by net value. Turn on voucher estimates to compare reference redemption scenarios. Personal quotes and existing-holder programmes retain their own status. This is a stated annual scenario, not certification of every card feature. Fuel surcharge waivers and optional benefits are excluded; utility and high-fuel fees are included where the modelled thresholds apply.
| Rank & card | Annual earnings | Modelled costs | Net annual value | Net return |
|---|---|---|---|---|
| Annual calculations will appear here after the calculator loads. | ||||
Never spend more merely to earn rewards or reach a fee waiver. Interest and late-payment costs can exceed every reward shown here.