Credit Card Finder: Best Card for Your Spending
Tell us roughly how much you spend each month in each category. We calculate the yearly rewards of every card in our database, apply monthly caps, add milestone benefits, and subtract the annual fee and forex charges to show your real net value.
How the credit card finder works
For each card, we multiply your monthly spend in every category by that card's effective reward rate. Then we apply the card's monthly caps (for example, "5% cashback capped at ₹1,000"), add tiered bonuses and yearly milestone rewards, and subtract:
- the annual fee plus 18% GST, unless your yearly spend meets the fee waiver;
- the forex markup plus GST on your international spends.
The result is an estimate of what the card is worth to you each year. Point-based rewards use the value you'd typically get from the card's best common redemption.
FAQs
Is the result accurate?
It is an estimate based on published reward rates and caps. Merchant category codes, exclusions and changes to reward programmes can affect what you actually earn, so check the card's terms before applying.
Does this tool check my eligibility?
No. It only compares rewards. Eligibility depends on your income, credit score and the bank's policies.
Is my data saved?
Your spends are stored only in your own browser, so they are there next time you visit. Nothing is sent to us.