CREDIT CARD TOOLS
Work out what a credit card is really worth
Headline rewards rarely tell the whole story. See how fees, caps, excluded spends and reward values change what you actually get.
Built on your own figures•No personal details required
Choose a calculator
Card Annual Value CalculatorEstimate your card’s yearly value after fees.
Card Fee Break-Even CalculatorCalculate the spending needed to recover your annual fee.
Cashback CalculatorEstimate the cashback you could earn from your spending.
Reward Point Value CalculatorCalculate what your reward points are worth.
What the calculations include
- Annual fee
- With 18% GST when you choose it, and waived once your yearly spend reaches the waiver you enter.
- Caps
- Cashback stops at the monthly or yearly cap you enter.
- Excluded spends
- A category you mark as excluded earns nothing.
- Reward value
- Points count at the rupee value per point you enter.
Calculator results are estimates based on your inputs and the stated default assumptions. They are not approval decisions or financial advice.