Reward potential
Gross modeled reward rate, scaled against a visible 5% benchmark.
A score should be inspectable.
The CredoNomics Fit Score is a decision heuristic built from the values entered into the custom analyzer. It is not a credit score and it does not claim to measure every benefit a credit card can offer.
Fee efficiency
How much modeled reward value remains after annual fee and applicable fee tax.
Cap efficiency
How much theoretical reward survives the monthly caps entered into the model.
Base-rate resilience
Base reward rate, scaled against a visible 1.5% benchmark.
Spend fit
Share of the user’s spending that lands in categories earning above the card’s base rate.
The score deliberately excludes subjective valuations for lounge access, memberships, milestone gifts and lifestyle benefits unless those are separately converted into a realistic personal rupee value.