My wallet
Add the cards you hold: which one to use for each kind of spend, what they earn in a year, and what changed for them.
Saved in this browser. Signing in keeps the list on your other devices too.
Example wallet: HDFC Regalia Gold, CASHBACK SBI Card, Amazon Pay ICICI Bank
These 3 cards earn ₹28,800 a year together at ₹75,000 a month, after their fees.
- Wallet score
- 62 / 100
- grade B · beats 81% of 3-card sets
- Biggest gain
- +₹10,200
- a year at ₹75,000 a month if you swap HDFC Regalia Gold for IndusInd Tiger
Which card to use
| Spend on | Use | Back |
|---|---|---|
| Groceries | HDFC Regalia GoldBest: HSBC TravelOne, 4.00% | 3.52% |
| Dining | CASHBACK SBI CardBest: HDFC Diners Club Black Metal, 3.33% | 1.00% |
| Travel | HDFC Regalia GoldAs good as any card you can get | 3.52% |
| Fuel | None of these cardsBest: MakeMyTrip ICICI Bank, 1.00% | — |
| Utilities | HDFC Regalia GoldAs good as any card you can get | 3.52% |
| Everything else | HDFC Regalia GoldBest: HSBC TravelOne, 4.00% | 3.52% |
10 more kinds of spend rent, tax, wallets, EMI …
| Spend on | Use | Back |
|---|---|---|
| Telecom | HDFC Regalia GoldBest: HSBC TravelOne, 4.00% | 1.63% |
| International | HDFC Regalia GoldBest: HSBC TravelOne, 8.00% | 1.63% |
| Rent | None of these cardsBest: Axis Bank Reserve, 3.00% | — |
| Insurance | HDFC Regalia GoldBest: HDFC Diners Club Black Metal, 3.33% | 1.63% |
| Education | HDFC Regalia GoldBest: HDFC Diners Club Black Metal, 3.33% | 1.63% |
| Government | None of these cardsBest: ICICI Times Black, 2.00% | — |
| Wallet loads | Amazon Pay ICICI BankAs good as any card you can get | 1.00% |
| Jewellery / gold | HDFC Regalia GoldBest: HDFC Diners Club Black Metal, 3.33% | 1.63% |
| UPI | HDFC Regalia GoldAs good as any card you can get | 1.63% |
| EMI conversions / merchant EMI | None of these cardsBest: Standard Chartered Rewards, 0.67% | — |
Each kind of spend goes on the card your total above gives it, and % back is what that money earns there at ₹75,000 a month: the card's reward tiers, bonuses and milestones, after the bank's own rules for that spend, at our value for its points. Fees come off the total, not off a row. Spend outside the everyday mix (dining, online and the rest) shows the card whose next rupee earns most. A rule we have not read is never guessed: that card is left out of the row.
What each card is worth
| Card | A year on its own | Annual fee |
|---|---|---|
| HDFC Regalia Gold | ₹29,800 | ₹2,500 |
| CASHBACK SBI Card | ₹7,600 | ₹999 |
| Amazon Pay ICICI Bank | ₹7,600 | ₹0 |
On its own: as if all your spend went on that card. Together counts every card's fee, so it can be less than your best card alone. The same figure as the card's own page at this spend. 651 cards priced from the banks' own documents; newest check . How we value cards
What changed for these cards
- Asiana leaves Star Alliance on 16 December as it folds into Korean Air Transfer partner change · Asiana / Star Alliance
- Aeroplan's expiry pause ends on 30 November — 18 months idle and the balance lapses Cut · Air Canada Aeroplan
- MakeMyTrip ICICI card drops its forex markup and DCC fee from 10 Nov Improvement · ICICI Bank
- ICICI Bank joins the PM SVANidhi credit-card scheme with a lifetime-free card New card · ICICI Bank
- SBI Card and Eternal launch the Eternal SBI Card New card · SBI Card
- Amazon Pay ICICI's 5% now covers Amazon.in travel Improvement · ICICI Bank
73 more in the last year. Changes to the card, its bank's rewards or a programme its points move to. Every change
What your points are worth
Type a balance to price it at our value for one point. It stays in this browser.
Your account
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How this works
Each card's yearly figure splits your monthly spend 30% groceries · 10% utilities · 20% travel · 6% fuel · 34% everything else, earns the card's published rate on each part at our value for its points, adds the bonuses and milestones it reaches and takes off the annual fee unless your spend waives it. "Together" puts each kind of spend on whichever of your cards earns most for it, so it is less than the cards' figures added up.
The score out of 100 is 60% how close your cards get to the best set of the same number of cards you could apply for today, 20% how many kinds of spend they cover at full rate, and 20% how safe the points are (recent cuts, points that expire within two years). The formula.
Where your data goes
Your card list, spend range and point balances are kept in this browser. If you sign in, your card list (and
nothing else) is saved to your account so it follows you to other devices. Shared links carry the card list
and spend in the part of the address after #, which is never sent to our server.
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