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
58 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.
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.
post it — tag @travelwithcc
and the desk will roast your deck properly.
The image renders in your browser and is only sent where you share it.
Score = 60% earn efficiency + 20% coverage + 20% resilience; percentile is against
every possible same-size deck from our 58-card catalog, precomputed at
₹50k / ₹1.5L / ₹4L a month.