Card 1
CategoryReward %Monthly cap ₹
Online shopping
Groceries
Dining
Travel
Fuel
Utilities
Other spend
Rank card economics around your spending.
Enter the rules of up to four cards and CredoNomics will calculate gross rewards, cap leakage, fee impact, effective return and a transparent Fit Score.
01 / Spend profile
Tell the engine where your money goes.
Monthly spend₹60,000
02 / Card models
Enter the rules you want to compare.
Card 2
03 / CredoNomics ranking
Rank by annual net value, then inspect why.
Highest modeled net value
Card A
Net annual value₹15,840
Gross rewards₹15,840
Annual fee costWaived
Cap leakage₹0
Effective return2.20%
CredoNomics Fit Score66/100
Reward 18/40Fee 20/20Caps 15/15Base rate 10/15Spend fit 3/10
Card A does not hit any reward cap in this model. Your annual spend clears the fee-waiver threshold. Effective return is 2.20% on total annual spend.
#2
Modeled result
Card B
Net annual value₹9,360
Gross rewards₹9,360
Annual fee cost₹0
Cap leakage₹0
Effective return1.30%
CredoNomics Fit Score60/100
Reward 10/40Fee 20/20Caps 15/15Base rate 15/15Spend fit 0/10
Card B does not hit any reward cap in this model. There is no annual fee cost in the model. Effective return is 1.30% on total annual spend.
This ranking uses only the values you enter. It does not verify a card’s current issuer terms, eligibility, merchant coding, redemption value, milestone benefits or exclusions. The Fit Score is a transparent comparison heuristic — not a credit score, recommendation or guarantee.
Database-ready
The same engine is designed to accept source-backed card records as they are verified.
No invented product terms
The example starts with generic Card A/Card B values. Replace them with current official terms before using a result.