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 premium-card structure creates the highest modeled annual 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 premium value₹11,000
Recurring rewards₹6,000
Usable extra benefits₹5,000
Annual fee cost₹0
Effective return4.58%
CredoNomics Category Fit71/100
Rewards 15/30Usable extras 11/25Fee 20/20Net value 25/25
Milestone and lifestyle benefits are included only at the rupee values you entered.
The modeled annual spend clears the fee-waiver threshold.
#2
Modeled result
Card B
Net annual premium value₹11,000
Recurring rewards₹6,000
Usable extra benefits₹5,000
Annual fee cost₹0
Effective return4.58%
CredoNomics Category Fit71/100
Rewards 15/30Usable extras 11/25Fee 20/20Net value 25/25
Milestone and lifestyle benefits are included only at the rupee values you entered.
The modeled annual spend 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.
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
Start with recurring reward value on eligible annual spend.
02
Add only milestone and lifestyle benefits the user expects to use.
03
Subtract annual ownership cost unless the fee waiver is achieved.
