Annual Fee Break-even Calculator

Why "break-even" matters more than the fee alone

A ₹5,000 annual fee sounds expensive until you see it against a card that pays back 5% on dining and travel — at ₹8,500/month of dining spend alone, the rewards already cover the fee. The same fee on a flat 1% card needs ₹5,00,000/month to break even, which most people will never hit. The fee number by itself tells you nothing without the reward rate behind it.

Based on verified reward data

This calculator only includes cards with a fully sourced reward structure — base rate, category accelerators, and fee waiver terms all confirmed against the card's own published terms, the same data behind each card's "Is this worth it?" widget on its detail page.

Disclaimer: Reward estimates are illustrative, based on published rates as of the date shown, not a guarantee of actual rewards earned.