Compare fuel rewards and surcharge-waiver value without double-counting the same transaction benefit.
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.
25 RP/₹100 at BPCL with 4 RP = ₹1 gives 6.25% reward value; plus 1% surcharge waiver. Reward cap modeled from 2,500 RP/billing cycle.
Official IDFC FIRST material advertises up to 6.5% savings on HPCL fuel; modeled as headline total fuel value.
Official IDFC FIRST material advertises 5% savings on HPCL fuel.
13 RP/₹100 at BPCL with 4 RP = ₹1 gives 3.25% reward value; plus 1% surcharge waiver.
5% Fuel Points at IOCL; recurring cap modeled at 150 Fuel Points/month × ₹0.96 redemption value after first six months, plus 1% surcharge waiver.
4% value back on eligible IOCL fuel with ₹5,000 eligible-spend/month ceiling; plus 1% fuel-surcharge waiver capped at ₹50/statement cycle.
No cashback on fuel; 1% fuel-surcharge waiver, subject to transaction conditions and ₹100 statement-cycle cap.
1% fuel-surcharge waiver subject to transaction conditions; no cashback on fuel.
1% fuel-surcharge waiver on eligible transactions; no cashback on fuel.
1% fuel surcharge waiver, subject to eligible transaction range and ₹250 statement-cycle cap.
1% fuel surcharge waiver, capped at ₹250/statement cycle.
1% fuel-surcharge waiver subject to transaction conditions; no cashback on fuel.
1% fuel surcharge waiver, capped at ₹500/statement cycle.
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.
Enter the latest issuer terms manually. The verified real-card ranking above remains separate from user-entered assumptions.
Fuel rewards and surcharge waiver are calculated independently.
No modeled fuel benefit is lost to the entered caps.
Fuel rewards and surcharge waiver are calculated independently.
No modeled fuel benefit is lost to the entered caps.
Each category uses its own benefit/cost structure and keeps the inputs visible.
Calculate fuel rewards and surcharge waiver as separate benefit components.
Apply the reward cap and surcharge-waiver cap independently.
Subtract annual ownership cost after checking the fee-waiver scenario.
