Annual card value
Is this card worth its fee for the way I spend?
What a card returns across your spending after its caps, its exclusions, its fee and the GST on that fee.
Your monthly spending
₹42,000 / month · ₹5,04,000 / year
Card assumptions
Default assumptionsWe’ve added illustrative defaults — not any card’s terms. Change them to match your card.
Annual spend. Enter 0 if there is no waiver.
Estimated annual card valueCalculated
₹1,140/ year
Rewards on ₹5,04,000 of yearly spending, with no annual fee.
- Rewards
- ₹1,140
- Fees
- ₹0
- Effective return
- 0.23%
| Category | Reward rate | Status |
|---|---|---|
| Online shopping | ||
| Groceries | ||
| Dining and delivery | ||
| Fuel | ||
| Everything else | ||
| Travel and flights | ||
| Utilities and bills | ||
| Rent | ||
| Government | ||
| Education | ||
| Insurance | ||
| Wallet loads | ||
| EMI transactions |
Where the value comes from
| Category | Annual spend | Rate | Reward | Share |
|---|---|---|---|---|
| Online shopping | ₹1,80,000 | 1 pts / ₹100 | ₹450 | 39% |
| Groceries | ₹96,000 | 1 pts / ₹100 | ₹240 | 21% |
| Dining and delivery | ₹60,000 | 1 pts / ₹100 | ₹150 | 13% |
| Fuel | ₹48,000 | Excluded | ₹0 | — |
| Everything else | ₹1,20,000 | 1 pts / ₹100 | ₹300 | 26% |
| Total reward | ₹5,04,000 | 0.23% realised | ₹1,140 |
This tool produces an estimate from the figures you enter and the assumptions listed beside it. It is not a quote, an offer, or any indication that a lender will approve you. Actual rewards, fees, exclusions, caps and redemption values vary by card and may change. Check your card provider’s current terms before making a decision.