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Spend & Rewards Optimizer

Move the sliders. Cards re-rank live by net yearly value.

Your Monthly Spends

Online Shopping₹20,000/mo
Dining & Food Delivery₹8,000/mo
Travel & Flights₹10,000/mo
Bills & Utilities₹6,000/mo
Fuel₹3,000/mo
Total monthly spend₹47,000

Estimate uses each card’s category rates before issuer caps. Always check MITC caps on the card page.

#1
HDFC Infinia Metal Edition
Rewards ₹90,240/yr − Fee ₹14,750/yr
₹75,490 /yr net
#2
Airtel Axis Bank Credit Card
Rewards ₹33,600/yr − Fee ₹590/yr
₹33,010 /yr net
#3
Swiggy HDFC Bank Credit Card
Rewards ₹23,520/yr − Fee ₹590/yr
₹22,930 /yr net
#4
Tata Neu Infinity HDFC RuPay
Rewards ₹24,480/yr − Fee ₹1,769/yr
₹22,711 /yr net
#5
SBI Cashback Credit Card
Rewards ₹23,520/yr − Fee ₹1,179/yr
₹22,341 /yr net
#6
Axis Bank Atlas Credit Card
Rewards ₹26,880/yr − Fee ₹5,900/yr
₹20,980 /yr net
#7
HDFC Millennia Credit Card
Rewards ₹19,920/yr − Fee ₹1,180/yr
₹18,740 /yr net
#8
American Express Platinum Travel
Rewards ₹24,480/yr − Fee ₹5,900/yr
₹18,580 /yr net