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 lifetime-free card structure creates the highest modeled recurring value?
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 reward value₹2,400
Annual reward₹2,400
Annual fee₹0
Cap leakage₹0
Effective return1.00%
CredoNomics Category Fit58/100
Reward 8/40No-fee 20/20Caps 15/15Net value 5/15Spend fit 10/10
The model assumes no annual ownership fee.
No modeled reward value is lost to the cap.
#2
Modeled result
Card B
Net annual reward value₹2,400
Annual reward₹2,400
Annual fee₹0
Cap leakage₹0
Effective return1.00%
CredoNomics Category Fit58/100
Reward 8/40No-fee 20/20Caps 15/15Net value 5/15Spend fit 10/10
The model assumes no annual ownership fee.
No modeled reward value is lost to the cap.
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
Assume zero annual card ownership fee.
02
Apply any modeled monthly reward cap before annualising.
03
Rank primarily by recurring reward value and cap efficiency.
