Credit Cards · Tool

Which credit card earns you the most?

Tell us how you actually spend, and we'll rank India's most popular credit cards by net annual rewards — after annual fees, factoring spend-based fee waivers. No phone number, no email, no sales call.

Your monthly spend

Type or use the slider for each category

₹
₹
₹
₹
₹
₹
Total monthly₹25,000
Annual₹3,00,000

Your top 3 cards

Ranked by net annual rewards (after annual fee, factoring fee waiver if your spend qualifies)

  1. Rank 1 · Best for you

    Axis ACE

    Axis Bank

    Net /yr₹9,120
    Annual rewards₹9,120
    Annual fee₹499
    Fee waiver✓ qualifies

    Why this card — 5% on bills via Google Pay; 4% on Swiggy / Zomato / Ola

    Read full review Apply now
  2. Rank 2

    ICICI Amazon Pay

    ICICI Bank

    Net /yr₹7,080
    Annual rewards₹7,080
    Annual fee₹0
    Fee waivern/a

    Why this card — 5% on Amazon Prime; free for life

    Read full review Apply now
  3. Rank 3

    HDFC Millennia

    HDFC Bank

    Net /yr₹6,840
    Annual rewards₹6,840
    Annual fee₹1,000
    Fee waiver✓ qualifies

    Why this card — 5% on Amazon, Flipkart, Swiggy, Zomato, BookMyShow

    Read full review Apply now

Calculation: monthly spend × 12 × per-category reward rate, summed, minus annual fee (waived if your annual spend exceeds the issuer's waiver threshold). Excludes welcome bonuses, capped bonus rewards beyond fixed monthly limits, and joining fee. Update quarterly.

How this works

For each card, we apply its publicly-disclosed reward rate per category to your spend, sum across categories, and subtract the annual fee (or zero it out if your spend qualifies for the issuer's fee-waiver threshold). The highest net annual reward wins.

What we DON'T factor in (intentionally — these vary too much): welcome bonuses (one-time), milestone bonuses (above ₹X spend), discounted partner offers (irregular), and lifestyle perks (lounge access, golf, concierge).

Reward rates are sourced from issuer T&Cs as of May 2026 and updated quarterly. See our full methodology.

Want a deeper personality match?

The Reward Maximizer is purely about ₹ rewards. If you also care about travel, premium perks, building credit history, or matching how you actually think about money, take the 90-second Money Personality Quiz.

Take the Money Personality Quiz →
No paid rankings
Methodology disclosed
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