The deck planner · choose
Put in what you spend and what you already carry. We rank every card you can actually get by real ₹ net value for your spend, tell you which to keep, downgrade or cancel, and name the one card that plugs your biggest gap. Same honest engine as the calculator — which prices one card at a time and maps its milestones; this plans your whole deck.
Leave empty if you’re new — we’ll just tell you what to get. Add 1–3 cards and we’ll grade each for your spend and find your gap.
Five jobs a travel deck has to do — flights, hotels, everyday, forex, and the fee that buys the lounge door. One card per job, your own ₹ against each, one running total. The month is split 10% flights · 10% hotels · 70% everyday · 10% forex — the calculator’s own everyday mix, with its travel share halved between flights and hotels (data/mcc.yaml files airlines and hotels under one `travel` rule, so there is no hotel-only rate to weight with) and ten points moved to forex. Stated, not measured.
Add the cards you hold in step 03 above and this sheet prices your deck, job by job. Until then, six worked decks are below — every card in them open to apply.
Two lifetime-free cards — No fee to pay, so every rupee on the sheet is yours to keep.
Open to apply
Net a year ₹7,300
One for travel, one for the rest — The split most readers actually run: a travel card for the flights, a workhorse for the groceries.
Open to apply
Net a year ₹6,200
Three cards, one fee — What a third card has to earn before it pays for itself.
Open to apply
Net a year ₹6,500
One paid travel card — A single ₹5,000 travel card beside a free one — the fee row is the whole argument.
Open to apply
Net a year ₹3,100
The big fee — A super-premium at a ₹40,000 month, where the fee row is larger than three of the four earn rows.
Open to apply
Net a year ₹5,000
The overlap — Two cards that do the same job. The sheet says which one is doing nothing, and where.
Open to apply
Net a year ₹2,800