Estimated rewards₹8,100
Net yearly value₹7,601
Break-even spend₹2,772 / mo
Comparison desk / 01
Put three cards on the same piece of paper.
Enter the fee and reward value shown by each issuer. We'll use your normal spend to estimate which card returns the most value after its annual fee.
Your baseline
Normal monthly card spend
₹5k₹2L
Estimated rewards₹10,800
Net yearly value₹9,801
Break-even spend₹4,163 / mo
Estimated rewards₹16,200
Net yearly value₹13,701
Break-even spend₹6,942 / mo
Highest estimated value
Current verdict
Card C has the highest estimated net value at ₹13,701 per year based on the numbers entered.
Illustrative only. Reward caps, excluded transactions, taxes, milestone benefits, point expiry and redemption ratios can change the result. Verify current terms with the issuer.
Use it honestly
Three rules for a fair comparison.
- 01
Use redeemable value
Enter the percentage you can actually redeem—not the number of points advertised.
- 02
Use normal spend
Do not increase spending to reach a reward or annual-fee waiver.
- 03
Check the cap
If rewards stop after a monthly limit, calculate the excess spend at its lower rate.