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Credit card rewards calculator for India

Your card rewards are worth whatever cashback or points value you earn on your real spending, minus the annual fee — usually 1–3% of what you spend each year. Enter your monthly spend below to see an exact, card-by-card estimate for every card in India, ranked by net value after fees.

Rewards calculator

Enter your monthly spend (₹) to rank cards by net value for you.

  1. #1ICICI RuPay UPI Credit Card₹1,248 net/yr₹1,248 rewards − fee
  2. #2AU Bank LIT Credit Card₹660 net/yr₹660 rewards − fee
  3. #3HDFC RuPay UPI Credit Card₹402 net/yr₹402 rewards − fee
  4. #4Amazon Pay ICICI Credit Card₹312 net/yr₹312 rewards − fee
  5. #5Flipkart Axis Bank Credit Card₹268 net/yr₹768 rewards − fee

Estimates use a transparent, published methodology (see our methodology) and do not reflect issuer-verified promotional offers.