Pick what you are spending on and how much. This compares all 96 issuer-verified Indian credit cards by estimated rewards after monthly caps, excluded categories and surcharges — before eligibility and annual fees. Free, no signup, nothing leaves your browser.
IDFC FIRST Bank Quantum+ Credit Card (FD-secured) has the highest modelled reward at about ₹100/month (₹1,200/year) on ₹10,000 of this spend, after its caps, exclusions and surcharges.
This calculator does not ask for income, age, employment or issuer relationships, so it cannot recommend an application. Annual fees can also erase the displayed reward difference. Run the full Health Check before applying.
| Card | Per month | Per year | Annual fee |
|---|---|---|---|
| IDFC FIRST Bank Quantum+ Credit Card (FD-secured) | ₹100 | ₹1,200 | ₹0 |
| IDFC FIRST Bank FIRST Ashva Metal Credit Card | ₹83 | ₹999 | ₹2,999 |
| IDFC FIRST Bank FIRST Mayura Metal Credit Card | ₹83 | ₹999 | ₹5,999 |
| IDFC FIRST Bank HPCL Power+ | ₹50 | ₹600 | ₹499 |
| Google Pay Flex Axis Bank Credit Card | ₹20 | ₹240 | ₹0 |
| Amazon Pay ICICI | ₹0 | ₹0 | ₹0 |
| Federal Bank Celesta | ₹0 | ₹0 | ₹0 |
| Edge+ CSB Bank RuPay Credit Card | ₹0 | ₹0 | ₹0 |
| IDFC FIRST Bank FIRST Classic Credit Card | ₹0 | ₹0 | ₹0 |
| IDFC FIRST Bank FIRST Millennia Credit Card | ₹0 | ₹0 | ₹0 |
| IDFC FIRST Bank FIRST Select | ₹0 | ₹0 | ₹0 |
| IDFC FIRST Bank FIRST Wealth | ₹0 | ₹0 | ₹0 |
Reward currency is valued conservatively, not at the issuer's best-case redemption. This is a pre-eligibility reward ranking: annual fees are shown but not subtracted from the monthly figure. Catalogue release 2026-08-25; confirm final terms with the issuer.
Pick the spending category and enter your monthly amount. The calculator applies each card's published earn rate, monthly cap, exclusions and any surcharge, then ranks estimated rewards before eligibility and annual fees. Select the cards you already hold to compare their rewards. Use the full Health Check before deciding whether to apply.
It is free and runs entirely in your browser. It asks for no login, no income, no card number and no credit-bureau check, and nothing you enter is sent to a server.
Because advertised rates ignore monthly caps, excluded categories and surcharges. A 5% rate capped at ₹500 a month is 5% only up to ₹10,000 of spend, and less on every rupee after that. Reward points are also valued at a conservative redemption rate rather than the issuer's best-case example.
The monthly figure is reward return only, with the annual fee shown alongside it. Subtract the fee plus GST from the annual total unless your total spend clears the waiver threshold.