Fee break-even
How much would I have to spend to justify this fee?
And whether the reward caps make that impossible at any level of spend.
Not sure? Start with our default assumptions and adjust them anytime.
Enter your card assumptions
Default assumptionsThe reward value you typically receive back, as a percentage of spend.
Annual spend at which the fee is waived. Leave as 0 if your card has no waiver.
Estimated break-even spendCalculated
₹3,93,333/ year≈ ₹32,778 / month
Spend above this level and the estimated rewards begin to exceed the annual fee.
- Annual fee incl. GST
- ₹5,900
- Reward rate used
- 1.5%
- Fee waiver
- None
- Annual fee including GST
- ₹5,900
- Reward earned per ₹100 spent
- ₹1.50
- Break-even annual spend
- ₹3,93,333
- Break-even monthly spend
- ₹32,778
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, exclusions, caps, fees and waiver conditions vary by card. Check your card provider’s current terms before making a decision.