The card that pays for the room.

How is this ranking computed?

For every card: the points its base rate actually POSTS per ₹100 (monthly reward cap applied — the statement count, not a rate already scaled for what a point is worth) × the best ACTIVE route into a program tagged hotel in data/currencies.yaml, at the ratio that specific card gets, × that program's house ₹/point from the valuation index. A hotel co-brand earns its program's points directly and is priced at the same mark with no ratio. Where two programs price a card's points at exactly the same rupee — three hotel programs sit at ₹1.00 today — the row names both and the tie goes to the program whose published floor-to-ceiling band is tightest, then alphabetically: a mark we can defend beats a mark we anchored. The number is the GROSS value of the points earned — before the annual fee, which is printed beside every row, and before free-night charts, elite discounts or a devaluation. Base earn only: accelerators, milestones and welcome bonuses are out (they are priced on the card pages and in the calculator). Hotel programs we have not valued do not count — we never invent a valuation to fill a cell.

Same engines as the calculator, the optimizer and the lounge map. When the data moves, this page moves — see the tracker.