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 lounge-card structure creates the most usable value for your travel frequency?
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 lounge value₹2,800
Usable visits4
Gross lounge value₹2,800
Annual fee cost₹0
Visit coverage50.00%
CredoNomics Category Fit75/100
Visit coverage 25/50Fee 25/25Usable value 25/25
The model values only 4 of 8 expected annual visits.
Retail lounge pricing is not assumed; the value per visit comes from your own input.
#2
Modeled result
Card B
Net annual lounge value₹2,800
Usable visits4
Gross lounge value₹2,800
Annual fee cost₹0
Visit coverage50.00%
CredoNomics Category Fit75/100
Visit coverage 25/50Fee 25/25Usable value 25/25
The model values only 4 of 8 expected annual visits.
Retail lounge pricing is not assumed; the value per visit comes from your own input.
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
Value only the visits you expect to use.
02
Cap benefit at the number of complimentary visits entered for the card.
03
Subtract annual card cost instead of valuing lounge access in isolation.
