Credit Card Rewards Calculator
See which card gives you maximum rewards based on your spending.
Monthly Spending
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₹
⛽
₹
🍽️
₹
✈️
₹
🛍️
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💡
₹
💳
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Total Monthly Spend₹46,000
Select Cards to Compare (up to 4)
Annual Rewards Comparison
🏆HDFC Millennia
Best for your spending: ₹12,760/year (2.3% effective)
HDFC MillenniaHDFCBest
Fee: ₹1000 (waived ✓)
₹12,760
net value/year
🛒
₹3,000
⛽
₹600
🍽️
₹3,000
✈️
₹360
🛍️
₹4,000
💡
₹600
💳
₹1,200
Effective reward rate2.3%
Flipkart Axis BankAxis
Fee: ₹500 (waived ✓)
₹12,180
net value/year
🛒
₹1,800
⛽
₹900
🍽️
₹2,400
✈️
₹540
🛍️
₹3,840
💡
₹900
💳
₹1,800
Effective reward rate2.2%
Amazon Pay ICICIICICI
Fee: ₹0
₹9,240
net value/year
🛒
₹2,400
⛽
₹600
🍽️
₹1,200
✈️
₹360
🛍️
₹2,880
💡
₹600
💳
₹1,200
Effective reward rate1.7%
💡 Tips to Maximize Rewards
- • Use category-specific cards for high-spend areas
- • Stack with bank offers and partner discounts for extra savings
- • Time large purchases to hit fee-waiver thresholds
- • Premium cards often include lounge access worth ₹2K-5K/year
Reward rates are approximate and may vary. Check issuer's website for current terms. Does not include churning bonuses, welcome offers, or limited-time promotions.