Cashback calculator
What cashback would I actually realise?
The headline rate against the rate the monthly caps leave you with.
Start with our default assumptions, then adjust them to match your card.
Your monthly spending
₹42,000 / month · ₹5,04,000 / year
Cashback assumptions
Default assumptionsIllustrative defaults for an indicative estimate — not any card’s terms. Change them to match your card.
Enter 0 if the card has no cap.
Estimated cashbackCalculated
₹4,560/ year≈ ₹380 / month
- Gross cashback
- ₹4,560
- Fees
- ₹0
- Effective cashback
- 0.90%
- Some spending is excluded from cashback — ₹48,000 a year earns nothing.
| Category | Cashback rate | Status |
|---|---|---|
| Online shopping | ||
| Groceries | ||
| Dining and delivery | ||
| Fuel | ||
| Everything else | ||
| Travel | ||
| Utilities and bills | ||
| Rent | ||
| Entertainment |
Cashback by category
| Category | Annual spend | Rate | Cashback |
|---|---|---|---|
| Online shopping | ₹1,80,000 | 1% | ₹1,800 |
| Groceries | ₹96,000 | 1% | ₹960 |
| Dining and delivery | ₹60,000 | 1% | ₹600 |
| Fuel | ₹48,000 | Excluded | ₹0 |
| Everything else | ₹1,20,000 | 1% | ₹1,200 |
| Total cashback | ₹5,04,000 | 0.90% realised | ₹4,560 |
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 cashback rates, caps, exclusions, fees and payout rules vary by card and may change. Check your card provider’s current terms before making a decision.