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.
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.
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.
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.
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.
Straightforward cashback on everyday spends
Rewards-led program with indicative upside up to 5.2% on eligible transactions.
UPI-heavy users seeking a basic lifetime-free credit card
UPI-forward AU RuPay card focused on everyday small-ticket digital spends.
Travel & lounge access
"Axis Bank offers SuperMoney RuPay Credit Card and enjoy benefits like 3% UPI cashback & fuel surcharge waiver, etc. Apply now through the SuperMoney App!
Travel & lounge access
Cashback rewards on everyday spends.
Travel & lounge access
Cashback rewards on everyday spends.
Travel & lounge access
Find out the features, benefits and fees of CRED IndusInd Bank RuPay Credit Card. Also, know how to save 5% on online, CRED and UPI spends using this card.
Travel & lounge access
Apply now for HDFC’s UPI RuPay Credit Card. Earn up to 3% CashPoints on groceries, dining & utility bills. Just ₹99/year with ₹250 welcome voucher!
Travel & lounge access
Read in detail about IDFC FIRST Digital RuPay Credit Card'd features, benefits, eligibility and fees & charges. Apply Now & save on UPI spends.
UPI Payments & Beginners
1% Cashback on UPI Scan & Pay (2% with Neon)
Travel & lounge access
Cashback rewards on everyday spends.
Travel & lounge access
Cashback rewards on everyday spends.