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Online Spend
Prioritize ecommerce + food delivery value.
Data-backed credit card picks First-principles scoring methodology
Build a card lineup that pays you back.
See which cards actually return value for your spend, with real-world caps, lounge access, and issuer links all in one place.
Cards tracked0
Lounges0
Verified Data0%
Jump to what matters
One tap filters for the cards that match your intent.
Quick Start by Task
Jump into a prefilled flow based on your intent.
Travel
Bias toward lounge, travel rewards, and premium upside.
Low-fee
Keep annual fees light while retaining returns.
Top picks for ₹30k monthly spend
Ranked by estimated annual value after fees.
AmexAmex
American Express Membership Rewards
1,000 MR points on 4x₹1,500 transactions + 1,000 monthly milestone points at ₹20,000 spends.
Est. value₹11,208
Annual fee₹4500
Lounge access—
AxisVisa
Airtel Axis Bank
25% cashback on Airtel recharges/bills, 10% on utility bill payments and eligible food/grocery partners, plus 1% on other spends.
Est. value₹8,892
Annual fee₹500
Lounge access11
AxisMasterCard
Flipkart Axis Bank Credit Card
5% Unlimited Cashback on Flipkart (with conditions)
Est. value₹8,892
Annual fee₹500
Lounge access42
HSBCVisa
HSBC Live+ Credit Card
10% cashback on dining, food delivery and grocery spends (capped), with 1.5% on other eligible spends.
Est. value₹8,613
Annual fee₹999
Lounge access66
HDFCMasterCard
Swiggy HDFC Bank
10% cashback on Swiggy, 5% on many online merchants, and 1% on most other eligible spends.
Est. value₹8,514
Annual fee₹500
Lounge access0
CSB BankRuPay
Jupiter Edge+ CSB RuPay Credit Card
Up to 10% cashback on shopping and 5% on travel, with 1% on eligible other spends.
Est. value₹7,422
Annual fee₹0
Lounge access—
Spend-based ranking
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Why these picks are trustworthy
Transparent sources, normalized caps, and no sponsored bias.
0Cards indexed
0Banks covered
0Lifetime free cards
0Lounge-mapped cards
Issuer links included
Every card links to the official issuer page so you can verify the fine print.
Caps normalized
Monthly and category caps are structured, not buried in marketing text.
Data refreshed often
Scrapers keep the database current so changes show up quickly.