The portfolio score · choose

How good is your deck, really?

One number, 0–100. We play your cards optimally at your spend — the same tier/milestone/fee-waiver engine as the calculator — and grade the result against the best possible same-size deck from all 645 priced cards we track, your category coverage, and how much of your earn sits in currencies that just got devalued or quietly expire.

what the number grades fold that back up

Nothing about your deck leaves your browser — your deck and spend live in the URL hash and this browser's localStorage, and analytics never sees that hash. No server, no email gate.

JavaScript is off

The score is computed entirely in the browser, so it needs JavaScript. The zero-script route: the board orders every card by honest net value, and the deck planner grades each card you hold for your spend.

.deckpick, .spendwrap, .scorewrap, .emptywrap { display: none; }

Cards you hold · 0 of 645

HDFC Bank 49 cards

Axis Bank 52 cards

ICICI Bank 35 cards

HSBC 11 cards

IDFC FIRST Bank 22 cards

BOBCARD (Bank of Baroda) 42 cards

IndusInd Bank 28 cards

RBL Bank 63 cards

Kotak Mahindra Bank 34 cards

Standard Chartered 17 cards

DBS Bank India 11 cards

SBI Card 76 cards

Bandhan Bank 4 cards

YES Bank 26 cards

Federal Bank 6 cards

CSB Bank / Jupiter (Amica Financial Technologies) 2 cards

AU Small Finance Bank 26 cards

Equitas Small Finance Bank 6 cards

IDBI Bank 6 cards

RBL Bank / TVS Credit 2 cards

SBM Bank India (Niyo) 1 card

RBL Bank / Patanjali 1 card

RBL Bank / BookMyShow 1 card

Union Bank of India 12 cards

HDFC Bank / IRCTC 1 card

slice Small Finance Bank 1 card

Utkarsh Small Finance Bank 5 cards

City Union Bank 9 cards

IDBI Bank / LIC Cards Services 1 card

Suryoday Small Finance Bank 2 cards

ESAF Small Finance Bank 1 card

DCB Bank 2 cards

SBM Bank (India) 3 cards

Dhanlaxmi Bank 2 cards

Unity Small Finance Bank 1 card

Punjab National Bank 15 cards

Karur Vysya Bank 1 card

American Express 9 cards

Punjab National Bank / Zaggle 1 card

Canara Bank 4 cards

Punjab National Bank / EaseMyTrip 1 card

Punjab National Bank / Patanjali Ayurved 2 cards

OneCard (issued via partner banks) 1 card

Indian Overseas Bank 5 cards

Indian Bank 6 cards

Indian Overseas Bank / SalarySe 1 card

RBL Bank / MWYN Tech (MoneyTap) 1 card

Federal Bank / Jupiter (Amica Financial Technologies) 1 card

Citibank 21 cards

ABN AMRO Bank 3 cards

Barclays Bank 4 cards

Deutsche Bank 2 cards

Andhra Bank 4 cards

Syndicate Bank 2 cards

Monthly spend across the deck ₹1,00,000

₹5k₹5L₹20L

We split it across the standard 13-category mix (40% unrestricted, then groceries, rent, utilities, fuel, forex…), give each category to your best card for it, and run every card's tiers, bonuses, milestones and fee waivers on its share.

Nothing selected yet. Tick the cards in your wallet — the score appears the moment you do, and your deck is remembered next visit.

How good is your deck, really?

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