Cards can be sorted by name, annual fee, base reward rate, and estimated annual value based on your spend.
Yes, filters include issuer, network, and categories like Travel, Cashback, Premium, and Lifetime Free.
Review dates vary by card and field. Check each card’s source notes and the lounge dataset’s verification date before relying on a benefit.
Compare fees and rewards for your saved spend. Catalog includes cards under review and retired products for research. Estimates appear only when reward rules are ready; recommended order puts eligible cards first.
70% split equally across Shopping, Travel, Dining; 30% other eligible spend. Standard redemption value. Renewal-year value excludes joining costs, taxes and unmodeled exclusions. Recommended order includes fees and evidence quality; annual value sort ranks by estimated rupees. Card-type filters narrow the catalog without changing spending categories.
Enter eligible monthly spending once per category. Other covers spending at the base rate. Exclude rent, fees and other purchases your issuer does not reward.
Total: ₹30,000/month · Same budget repeated over 12 months.
Quick estimates remain active until you apply budgets.
Category amounts improve the spend mix. Merchant coverage, reward exclusions, point redemption and fee-waiver eligibility remain model assumptions. Shared links include your budgets; share only if comfortable.
MakeMyTrip-Focused Domestic Travelers
Earn MMT MyCash on bookings: up to 6% on hotels and 3% on flights/holidays/cabs/buses, plus 1% on other eligible spends.
Dining, grocery and food delivery users who can stay within monthly cap
10% cashback on dining, food delivery and grocery spends (capped), with 1.5% on other eligible spends.
Heavy Swiggy users who can justify premium fee economics
10% on eligible Swiggy app spends, 5% at issuer-listed online merchants and 1% other eligible spends. September 2026 caps and minimum transaction rules apply.
Swiggy users who want lower-fee cashback coverage
5% on eligible Swiggy app spends, 5% at issuer-listed online merchants and 1% other eligible spends. September 2026 caps and minimum transaction rules apply.
Straightforward cashback on everyday spends
5% cashback on online food delivery, grocery and entertainment, 3% on fuel, and 0.5% on other eligible spends.
Flipkart/Myntra Loyalists with High Online Spend
5% cashback on Flipkart and Cleartrip, 7.5% on Myntra, 4% on preferred merchants, and 1% on other eligible spends.
Moderate Online Shoppers
5% eligible online cashback and 1% offline cashback with a split ₹2,000 online + ₹2,000 offline statement-cycle cap effective 1 April 2026.
RuPay UPI users who want simple capped cashback and low-fee lounge access
AU RuPay UPI card with 1% cashback on eligible UPI and other transactions, capped at ₹500 per statement cycle, plus AU Coins on UPI spends through AU 0101.
Users who can consistently monetize monthly merchant offers
Subscription-style lifestyle card built around recurring digital merchant and delivery offers.
Straightforward cashback on everyday spends
Rewards-led program with indicative upside up to 5.2% on eligible transactions.
Users with predictable fuel and utility payment patterns
Utility-and-fuel focused cashback card with stronger value in bill and fuel related categories.
Airtel/utility caps depend on same-cycle base cashback; partner wallet credits require separate calculation.
Check sources and model limits →Airtel Users & Utility Bills
1% eligible base cashback; Airtel Thanks acceleration is capped by same-cycle base cashback. Selected partner benefits are wallet value back, not statement cashback.
Detailed reward rules remain unverified; estimate withheld pending issuer review.
Check sources and model limits →Straightforward cashback on everyday spends
Catalog listing detected for this variant, but detailed earn and perk blocks are limited; verify current fees and reward rules on issuer pages.
Detailed reward rules remain unverified; estimate withheld pending issuer review.
Check sources and model limits →Straightforward cashback on everyday spends
Catalog listing detected for this variant, but detailed earn and perk blocks are limited; verify current fees and reward rules on issuer pages.
Detailed reward rules remain unverified; estimate withheld pending issuer review.
Check sources and model limits →Straightforward cashback on everyday spends
Catalog listing detected for this variant, but detailed earn and perk blocks are limited; verify current fees and reward rules on issuer pages.
Detailed reward rules remain unverified; estimate withheld pending issuer review.
Check sources and model limits →Straightforward cashback on everyday spends
Catalog listing detected for this variant, but detailed earn and perk blocks are limited; verify current fees and reward rules on issuer pages.
Detailed reward rules remain unverified; estimate withheld pending issuer review.
Check sources and model limits →Straightforward cashback on everyday spends
Catalog listing detected for this variant, but detailed earn and perk blocks are limited; verify current fees and reward rules on issuer pages.
Quarterly merchant caps and limited-period joining-fee offer require explicit cohort and merchant inputs.
Check sources and model limits →Flipkart & Myntra Shoppers
5% Unlimited Cashback on Flipkart (with conditions)
Detailed reward rules remain unverified; estimate withheld pending issuer review.
Check sources and model limits →Straightforward cashback on everyday spends
Catalog listing detected for this variant, but detailed earn and perk blocks are limited; verify current fees and reward rules on issuer pages.
Detailed reward rules remain unverified; estimate withheld pending issuer review.
Check sources and model limits →Straightforward cashback on everyday spends
Catalog listing detected for this variant, but detailed earn and perk blocks are limited; verify current fees and reward rules on issuer pages.
Detailed reward rules remain unverified; estimate withheld pending issuer review.
Check sources and model limits →Straightforward cashback on everyday spends
Catalog listing detected for this variant, but detailed earn and perk blocks are limited; verify current fees and reward rules on issuer pages.
Legacy Swiggy variant: confirm your current Ornge/BLCK or existing-holder terms before using this estimate.
Check sources and model limits →Food Delivery & Online Shopping
Legacy Swiggy HDFC profile (10%/5%/1%) retained for existing holders; new acquisition stack is now split into Swiggy Ornge and Swiggy BLCK variants.
Point redemption value is unverified; annual estimate withheld.
Check sources and model limits →UPI transactions and credit score building
Lifetime Free secured card with 2% UPI cashback (ZET Plus) and up to 15% voucher cashback.