Choose a category and up to three normalized cards. The same saved spending profile and annual-value model used by the category rankings powers the comparison.
LIVE VERIFIED RANKING
3 real Indian cards compared
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
Comparing a card not in the verified database?
Use the generic model below. Its values are user-entered and are kept separate from the verified real-card ranking above.
Compare effective cashback after reward caps, fee, GST and fee-waiver conditions.
01 / Your scenario
Which cashback structure creates the highest net annual value for this spending?
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 cashback₹4,800
Gross reward₹4,800
Annual fee cost₹0
Cap leakage₹0
Effective return2.00%
CredoNomics Category Fit71/100
Reward 16/40Fee 20/20Caps 15/15Net value 10/15Spend fit 10/10
The modeled reward cap does not reduce value at this spending level.
The modeled annual spending clears the fee-waiver threshold.
#2
Modeled result
Card B
Net annual cashback₹4,800
Gross reward₹4,800
Annual fee cost₹0
Cap leakage₹0
Effective return2.00%
CredoNomics Category Fit71/100
Reward 16/40Fee 20/20Caps 15/15Net value 10/15Spend fit 10/10
The modeled reward cap does not reduce value at this spending level.
The modeled annual spending clears the fee-waiver threshold.
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.
