Current normalized product terms are sourced from official issuer pages and converted into the same annual-value model. Change the profile and the ranking recalculates instantly.
Ranking scope: this is a ranking of the real cards currently normalized in the CredoNomics verified dataset, not a claim that every credit card issued in India has already been captured. Cards are added only when enough current official-source data is available to model their economics.
Custom terms sandbox
Want to compare a card that is not normalized yet?
Enter the latest issuer terms manually. The verified real-card ranking above remains separate from user-entered assumptions.
01 / Your scenario
Which co-branded structure best matches how much you actually spend with the partner?
02 / Card structures
Enter current terms for up to four cards.
Card 1
Card 2
03 / Ranked result
Highest modeled net value first.
Highest modeled value
Card A
Net annual co-branded value₹11,400
Partner rewards₹9,000
Other-spend rewards₹2,400
Annual fee cost₹0
Effective return2.71%
CredoNomics Category Fit69/100
Partner rewards 25/40Base rate 8/15Caps 15/15Fee 15/15Partner fit 6/15
43% of modeled annual spend is with the partner.
The partner reward cap does not reduce value at this spending level.
#2
Modeled result
Card B
Net annual co-branded value₹11,400
Partner rewards₹9,000
Other-spend rewards₹2,400
Annual fee cost₹0
Effective return2.71%
CredoNomics Category Fit69/100
Partner rewards 25/40Base rate 8/15Caps 15/15Fee 15/15Partner fit 6/15
43% of modeled annual spend is with the partner.
The partner reward cap does not reduce value at this spending level.
These calculations use only the values entered on this page. They do not verify current issuer terms, merchant coding, eligibility, redemption mechanics or promotional offers. Check the latest official issuer documentation before acting on a result.
How this category is modeled
Category-specific math, not one universal score.
Each category uses its own benefit/cost structure and keeps the inputs visible.
01
Separate partner spending from all other card spending.
02
Apply the partner reward cap before adding base rewards.
03
Subtract annual ownership cost after fee-waiver treatment.
