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Compare renewal costs and modeled rewards before adding another card. Save up to 9 card names in this browser. No card numbers, balances or bank login needed.
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Use my category budgets
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.
One budget. Compare each card.
₹30,000/month. 70% split equally across Shopping, Travel, Dining; 30% other eligible spend. Standard redemption value.
Each estimate puts the same entire budget on one card. These are alternatives, so do not add their values together. Merchant coverage remains estimated; vouchers assume you can use their full face value. Rounded line items may differ from the net total by ₹1.
Renewal scenario deducts the listed annual fee unless modeled spending meets a recorded waiver. Qualifying spend exclusions, taxes and redemption charges are not included.
Would another card improve this budget?
Compare one new card against your highest modeled renewal-year wallet card. The difference assumes moving the whole budget to the new card; it is not the extra value from splitting spending across a portfolio.
Recorded changes affecting your cards
Add cards to see their recorded changes.