The calculator
What's your card actually worth?
Move the slider to your monthly spend — or split it by category to see which card wins once rent, fuel and utility exclusions bite. We compute net annual value — travel-redemption points value minus the annual fee — and rank every card for your number.
Wondering where those points should actually go? → The optimizer.
Fuel? Rent? Tax? Check what actually earns →
We model each card's spend tiers (Magnus's 35-per-₹200 above ₹1.5L a month is in here), milestone and monthly bonuses, and fee waivers — valued at our house ₹/point for travel redemptions. Category multipliers (SmartBuy, portal bookings) still push real value higher.
Split mode zeroes each card's excluded categories — and that spend also stops counting toward spend tiers, milestones and fee waivers — applies a published reduced rate only where the issuer note states one (otherwise we flag the note instead of inventing a number), flags caps rather than modelling them, and prices travel at base rate: portal and direct-airline multipliers push real value higher.
Every card, ranked — net ₹/year for your spend
Next: get keep/cancel on the cards you hold — and the best one to add — in the deck planner → and price the points you're sitting on in the portfolio →