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Live comparison tool

Credit Card Finder

Compare up to three cards using your own reward rates, caps, fee waiver and spending pattern. No hidden product assumptions.

Comparison engineNet annual value
Your spending

Set one monthly spend

Enter rates from the current issuer terms. “Spend earning bonus” is the share of your monthly spend that qualifies for the bonus rate. Fee GST is calculated at 18% when the fee is not waived.

What the ranking means

Compare the value you keep, not the headline reward rate.

01 Your spend is split between base-rate and bonus-rate transactions.

02 The monthly reward cap is applied before annualising the rewards.

03 The annual fee plus GST is deducted unless your spend crosses the waiver threshold.

04 Cards are ranked by net annual value, then shown with the effective return on your total spend.

CredoNomics analysis report

Read the result as a model, not a promise.

Use the calculator output together with the assumptions, product restrictions and current official documents that govern your actual transaction.

Framework reviewed10 Aug 2026
01

Gross benefit
Rewards, cashback or waiver before friction

02

Friction
Caps, exclusions, eligibility and merchant rules

03

Ownership cost
Annual fee, applicable taxes and other recurring cost

04

Net value
Decision-ready value after the modeled deductions

Product-specific terms are not certified by the framework-review date.

Fees, caps, exclusions, merchant classification, eligibility and issuer interpretation can change. Verify the current official source before acting.

Methodology Corrections