The portfolio score
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
75 cards we track, your category coverage, and how much of your earn sits in
currencies that just got devalued or quietly expire.
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 rankings order every card
by honest net value, and the deck planner grades each
card you hold for your spend.
Cards you hold · 0 of 75 clear
using your saved deck → HDFC Infinia Metal HDFC Bank · ₹12,500 Axis Atlas Axis Bank · ₹5,000 MAGNUS FOR BURGUNDY MAGNUS FOR BURGUNDY MASTERCARD Axis Magnus for Burgundy Axis Bank · ₹30,000 ICICI Emeralde Private Metal ICICI Bank · ₹12,499 HDFC Diners Club Black Metal HDFC Bank · ₹10,000 Axis Magnus (legacy) Axis Bank · ₹12,500 BOBCARD Etihad Guest Premium BOBCARD (Bank of Baroda) · ₹5,000 OLYMPUS OLYMPUS VISA Axis Olympus Axis Bank · ₹20,000 HSBC Premier (Metal) HSBC · ₹20,000 Marriott Bonvoy HDFC Bank HDFC Bank · ₹3,000 HDFC Regalia Gold HDFC Bank · ₹2,500 IDFC FIRST Mayura IDFC FIRST Bank · ₹5,999 IndusInd Tiger IndusInd Bank · free NOVA NOVA VISA RBL Nova RBL Bank · ₹12,500 IDFC FIRST Ashva IDFC FIRST Bank · ₹2,999 AIR+ AIR+ VISA Kotak Air+ Kotak Mahindra Bank · ₹3,000 HSBC TravelOne HSBC · ₹4,999 Standard Chartered Ultimate Standard Chartered · ₹5,000 Amex Platinum Travel American Express · ₹5,000 Axis Bank Reserve Axis Bank · ₹50,000 ICICI Times Black ICICI Bank · ₹20,000 YES Bank Marquee YES Bank · ₹4,999 HDFC Diners Club Privilege HDFC Bank · ₹1,000 Amex Platinum Charge American Express · ₹66,000 Amex Membership Rewards Card American Express · ₹4,500 Axis Miles & More World Select Axis Bank · ₹4,500 Scapia (Federal Bank) Federal Bank · free IXIGO IXIGO VISA ixigo AU AU Small Finance Bank · free Amex Platinum Reserve American Express · ₹10,000 SCAPIA (BOBCARD) SCAPIA (BOBCARD) VISA Scapia (BOBCARD) BOBCARD (Bank of Baroda) · free IndusInd Avios Visa Infinite IndusInd Bank · ₹5,000 Tata Neu Infinity HDFC Bank HDFC Bank · ₹1,499 Axis Horizon Axis Bank · ₹3,000 INDIGO DUAL CREDIT CARD INDIGO DUAL CREDIT CARD MASTERCARD IndiGo IDFC FIRST Dual Credit Card IDFC FIRST Bank · ₹4,999 IDFC FIRST Private IDFC FIRST Bank · ₹50,000 SBI Card MILES PRIME SBI Card · ₹2,999 POWERMILES POWERMILES VISA Equitas PowerMiles Equitas Small Finance Bank · ₹5,000 BOBCARD Eterna BOBCARD (Bank of Baroda) · ₹2,499 Axis Miles & More World Axis Bank · ₹3,500 Axis Bank SELECT Axis Bank · ₹3,000 Adani One ICICI Bank Signature ICICI Bank · ₹5,000 INDIGO ELITE INDIGO ELITE MASTERCARD IndiGo SBI Card ELITE SBI Card · ₹4,999 INDIGO PREMIUM CREDIT CARD INDIGO PREMIUM CREDIT CARD VISA IndiGo Axis Bank Premium Credit Card Axis Bank · ₹5,000 Emirates Skywards ICICI Bank Emeralde ICICI Bank · ₹10,000 YES Bank RESERV YES Bank · ₹2,499 SOLITAIRE SOLITAIRE VISA Kotak Solitaire Kotak Mahindra Bank · ₹25,000 SBI Card MILES ELITE SBI Card · ₹4,999 INDIGO INDIGO MASTERCARD IndiGo SBI Card SBI Card · ₹1,499 RBL Icon RBL Bank · ₹5,000 RBL World Safari RBL Bank · ₹3,000 KRISFLYER KRISFLYER VISA KrisFlyer SBI Card SBI Card · ₹2,999 Emirates Skywards ICICI Bank Sapphiro ICICI Bank · ₹5,000 MakeMyTrip ICICI Bank ICICI Bank · ₹999 Kotak White Reserve Kotak Mahindra Bank · ₹12,500 AU Ananta AU Small Finance Bank · ₹2,000 IndusInd Legend IndusInd Bank · free AU Zenith AU Small Finance Bank · ₹7,999 Amex Gold Charge American Express · ₹4,500 INDIGO CREDIT CARD INDIGO CREDIT CARD RUPAY IndiGo Axis Bank Credit Card Axis Bank · ₹799 Kotak Privy League Signature Kotak Mahindra Bank · ₹2,500 IDFC FIRST Wealth IDFC FIRST Bank · free SBI Card MILES SBI Card · ₹1,499 IRCTC SBI Card Premier SBI Card · ₹1,499 IndusInd Pinnacle World IndusInd Bank · free ICICI Sapphiro ICICI Bank · ₹3,500 ICICI Bank Rubyx ICICI Bank · ₹2,000 AU Vetta AU Small Finance Bank · ₹2,999 IRCTC IRCTC RUPAY IRCTC BOBCARD BOBCARD (Bank of Baroda) · ₹350 Standard Chartered EaseMyTrip Standard Chartered · ₹350 OneCard Metal OneCard (issued via partner banks) · free VANTAGE VANTAGE VISA DBS Vantage DBS Bank India · ₹50,000 Federal Bank Celesta Federal Bank · free PIONEER HERITAGE PIONEER HERITAGE MASTERCARD IndusInd Pioneer Heritage IndusInd Bank · ₹25,000 AU Zenith+ AU Small Finance Bank · ₹4,999 LUMIÈRE LUMIÈRE VISA RBL Lumière RBL Bank · ₹50,000 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.
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Share the card ↗ Post on X ↗ link copied — paste it in your caption
post it — tag @travelwithcc
and the desk will roast your deck properly.
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Score = 60% earn efficiency + 20% coverage + 20% resilience; percentile is against
every possible same-size deck from our 75-card catalog, precomputed at
₹50k / ₹1.5L / ₹4L a month.
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