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. That's the earn-rate model: no accelerator credit, so it reads lower than the ranking ₹ on /compare (both models →).
Wondering where those points should actually go? → The optimizer.
Fuel? Rent? Tax? Check what actually earns →
Priced from 645 card records re-verified against the issuers' own documents between 2026-07-26 and 2026-09-25, at our published house ₹/point.
Your spend is split the everyday way — 30% groceries · 10% utilities · 20% travel · 6% fuel · 34% everything else — and each card's published category rules apply: a category a card excludes earns nothing and stops pacing its milestones. We model spend tiers (Magnus's 35-per-₹200 above ₹1.5L a month is in here), milestone and monthly bonuses, and fee waivers — at our house ₹/point. The same number as the card page. Portal multipliers (SmartBuy, Travel Edge) still push real value higher; split mode is where you type your own categories.
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
630 more cards — same ranking, best net ₹/year first
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 →