Best for cashback₹1,000/yr
Swiggy BLCK HDFC Bank
HDFC · MasterCard
Straight cashback on everyday spend — no points, no expiry games.
Estimated annual value₹8,514/yr
Part of KnowYourFinance
Independent credit card research
The right credit card for how you actually spend.
Move the slider, pick your spend categories, and see the cards that pay you back the most — net of fees. No PAN, no sign-up, no nonsense.
631Canonical cards
37Banks covered
124+Card-lounge maps
Top three for a ₹30k/month profile.
View the top 100Where you spend
Best card for the apps you already use.
Tap a brand and see which cards pay the most there — Amazon orders, Swiggy dinners, airport cab, petrol top-up.
No explicit Amazon reward rule in the current catalog. Browse cards and check issuer terms for your payment channel.
Only explicit merchant rates shown. Payment channel, monthly caps and exclusions can change your actual return; check card terms.
How it works
Honest math. No marketing fog.
We score every card the same way: expected rewards on your spend, minus its annual fee. Your profile, your numbers — same logic for every card.
Step 01
Tell us how you spend
Set a monthly spend and pick your top three categories. Takes ten seconds.
Step 02
We score every card
Expected reward value minus fees, capped by real category limits — not marketing math.
Step 03
Act only on reviewed offers
Apply buttons appear only where we have a reviewed card offer. We never collect your PAN or personal data.
Editor’s picks
Three cards worth a closer look.
Hand-picked by category — each one earns its slot by net value, not by who’s paying for placement.
Shop by goal
Start where it matters to you.
Skip the catalog. Jump straight to the cards built for what you spend on most.
We don’t rank cards by who pays us. We rank them by what they actually return on your spend — fees and caps included.
0Banks paid for placement
631Cards in the model
37Issuers tracked
RollingFee & rate re-verification
Latest on the blog
Fresh reads from our editors.
Reviews
Axis Flipkart Review: Is It Still the 'King' of Cashback?
Issuer page advertises 7.5% Myntra capped at ₹4,000 per statement quarter, and 5% Flipkart/Cleartrip capped at ₹4,000 per merchant per statement quarter.
Updated 12 Oct 2026 · 7 min readReviewsAmex Platinum Travel: Current Milestones, Lounge Gates and Application Pause
Issuer product page confirms one Membership Rewards point per ₹50 eligible spend, excluding fuel, insurance, utilities, cash and POS EMI.
Updated 12 Oct 2026 · 9 min readGuidesIDFC FIRST Wealth: Point Units, Lounge Conditions and Source Conflicts
Issuer page records 3X regular, 10X dining/travel/international, 1X utility/insurance/railway/FASTag; 1X is one point/₹200 and point value ₹0.25.
Updated 12 Oct 2026 · 14 min readFAQ
Questions before you dive in.
Quick answers on how we score, where our data comes from, and what we never ask you for.
Read the full methodologyHow do you pick the best card for me?
We use your monthly spend and top categories to calculate expected yearly value for every card, net of fees. Savings ranks by net modeled value; Travel and Premium prioritize preference fit, then value. Commercial payments do not determine the order.
Is this affiliated with any bank?
No. We are editorially independent. Commercial sponsorships may help fund the site but never influence ranking or recommendations. Full disclosures are public.
How fresh is the data?
We re-verify fees, reward rates, and lounge policies against issuer PDFs on a rolling schedule. Every card page shows field-specific dates. Partial checks do not refresh the entire card, and missing dates remain unknown.
Do you collect my PAN or personal information?
No. We never ask for PAN, Aadhaar, or bank details. We do not provide external apply links or application routing on this platform.
Stop guessing. Start earning.
Sixty seconds, three questions, and a shortlist tuned to your spend. No sign-up, no PAN — just the math.