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.
Lifestyle users looking for mixed rewards and entertainment perks
Lifestyle-focused points card with movie and travel-oriented privileges.
UPI Payments & Tata Users
1.5% NeuCoins on eligible non-UPI retail; 0.5% eligible UPI through any app, up to 1.5% using Tata Neu UPI ID. 500 NeuCoins/month combined UPI cap.
Fashion and e-commerce heavy users
Popular co-branded shopping card with Myntra-led value and broad Kotak acceptance.
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.
Frequent travellers who want points plus lounge comfort
Premium reward points with travel vouchers and lounge access milestones.
EMI Users
2% Cashback on Online Spends
Frequent IRCTC and train-travel users
Higher value on rail travel bookings with complimentary railway lounge perks.
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.
Gen Z & Online Spenders
5% CashPoints on Top Merchants
Users who regularly buy Samsung devices or accessories
Samsung and partner-focused cashback card with low annual fee.
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.
Drivers with consistent monthly fuel spends
Fuel-focused rewards card built for IndianOil spending with surcharge waiver.
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.
Travel & lounge access
Apply for Axis Bank Privilege Credit Card to enjoy activation benefits of Shopping or Travel vouchers worth Rs 5,000, insurance coverage upto Rs 2.5 Cr, etc. Kn
Tata Pay Users
1% NeuCoins on eligible non-UPI retail; 0.25% eligible UPI through any app, up to 1% using Tata Neu UPI ID. 500 NeuCoins/month combined UPI cap.
Travel & lounge access
Earn rewards for everyday purchases with an Axis Myzone Credit Card. Enjoy cashback, discounts, exclusive offers on shopping, dining & more. Apply now!
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.
Users who do most spends on UPI and want a lifetime-free digital-first card
UPI-first RuPay credit card with Kiwi cashback rewards and app-led savings stack.
UPI-first users who want a lifetime-free cashback card
Lifetime-free RuPay credit card with 2% cashback on selected categories and UPI spends.
Users with mostly online spends who want a no-fee AU option
Digital-lifestyle AU card with category boosts on online spends and travel-oriented transactions.
Students and early-career users wanting a no-fee starter card
Popular lifetime-free Kotak entry card for young digital users.
Users spending consistently in co-brand supported categories
Co-branded AU proposition aimed at higher rewards in selected lifestyle shopping categories.
Users wanting a low-fee AU card for shopping and dining spends
Entry-to-mid AU rewards card with accelerated value on shopping and dining categories.