Interactive Tool
Credit Card Rewards Optimizer
Six categories. One slider each. Real-time ranking of every card with a confirmed base reward rate by the net rupees you'd actually pocket after the annual fee.
Monthly Spend
₹36,000
Annual Spend
₹4,32,000
You Could Earn
₹8,640
/ year — net of fees, with the best-matched card
How the optimizer ranks cards
The tool reads your monthly spend across six everyday categories — groceries, dining & food delivery, fuel, online shopping, travel and a generic "other" bucket — and applies each card's confirmed base reward rate to those numbers. A rate is confirmed when it comes from the card's reward structure (with the point value it assumes, shown beside it) or from a cashback rate the card's own reward terms state. Category accelerators are not modelled yet, and a card without a confirmed base rate is not ranked.
Net value, not gross rewards
The rankings on this page subtract the annual fee from estimated annual rewards, so the top card is the one that leaves the most after its fee. When the fee exceeds estimated rewards, the net is shown in red.
Use this tool with our checklist
Once the ranking surfaces 2-3 candidates, run them through the 15-point credit card checklist before you apply. For a fuller manual sort, see our card finder or browse the full credit card catalogue.
Disclaimer:Reward estimates use each card's confirmed base rate only; category accelerators are not included. Actual earnings vary with merchant codes, spend caps, partner changes and special promotions. Always confirm rates with the issuer before applying.
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