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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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.
Maximize Your Credit Card Rewards
Credit cards offer rewards in various forms - cashback, reward points, air miles, or vouchers. Choosing the right card based on your spending pattern can save you thousands annually.
Key Insight: The "best" credit card isn't the one with the highest reward rate, but the one that aligns with YOUR spending categories.
Types of Reward Cards
💰 Cashback Cards
Direct percentage back on spending (1-5%). Simple and straightforward.
🎁 Reward Points
Earn points to redeem for products, vouchers, or statement credit.
✈️ Travel Cards
Earn air miles, lounge access, and travel benefits.
🏪 Co-Branded Cards
Extra rewards on specific brands (Amazon, Flipkart, etc.).
Smart Reward Strategy
Use Multiple Cards for Different Categories:
- • Groceries: Use cards with 5% cashback on supermarkets
- • Dining: Premium cards often give 10x points on restaurants
- • Travel: Use travel cards for flights/hotels to earn miles
- • Online Shopping: Co-branded cards (Amazon Pay, Flipkart Axis)
- • Everything Else: Flat 1.5-2% cashback card
⚠️ Watch Out For
- ✗Annual Fees: Ensure rewards earned exceed the fee (₹500-₹10,000)
- ✗Interest Charges: Carrying a balance wipes out all rewards instantly
- ✗Reward Caps: Many cards cap rewards at ₹500-₹1000/month
- ✗Expiry: Points often expire in 2-3 years if not redeemed
- ✗Devaluation: Reward value can be reduced without notice
💡 Pro Tips
- 1.Always pay full balance - interest charges negate all rewards
- 2.Use reward portals for online shopping (extra 2-10x points)
- 3.Redeem points for statement credit or travel (best value)
- 4.Avoid redeeming for merchandise (poor value, 0.2-0.3₹/point)
- 5.Track spending to ensure you hit milestone bonuses