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 UPI credit-card structure best fits your eligible merchant 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 UPI value₹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 UPI value₹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.
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
Use eligible merchant UPI spend, not all person-to-person UPI transactions.
02
Apply the modeled UPI reward ceiling before annualising.
03
Subtract annual card ownership cost after waiver treatment.
