Compare any credit cards (2026)

Choose up to eight cards and enter your monthly spend. We compute the honest net annual value in ₹ for each — caps, exclusions, fee waivers and milestones included. All ₹ values exclude GST.

450 cards, official data onlyCaps & exclusions applied100% free, no sign-up

Not sure which cards to pick? Enter your spend and we'll rank all 450.

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Points Valuation & Redemption ModeSelect how your rewards are converted

Quick Fill Monthly SpendPresets

Your Monthly Spend

₹50,000/mo

E-Commerce & Online

Amazon Spends

₹

Flipkart Spends

₹

Other Online Shopping

₹

Daily Essentials

Groceries

₹

Dining & Food Delivery

₹

Fuel

₹

Most cards earn ₹0 rewards on fuel (surcharge waiver only).

Utilities & Bills

₹

Frequently excluded from rewards in India.

Lifestyle, Bills & Other

Travel (Flights/Hotels)

₹

Rent

₹

Almost always earns ₹0 and may carry a fee.

Insurance

₹

Often excluded or capped.

Other / Offline

₹

HDFC Millennia Credit Card Best value

HDFC Bank · fee waived

Net Value / Yr

₹10,180

net value / year

Rewards ₹9,180Milestones ₹1,000Fee −₹0

Swiggy HDFC Bank Credit Card

HDFC Bank · fee waived

Net Value / Yr

₹4,320

net value / year

Rewards ₹4,320Milestones ₹0Fee −₹0

Smart verdict

Get the HDFC Millennia Credit Card — it earns you +₹5,860/yr over the Swiggy HDFC Bank Credit Card, mostly from your other online shopping spend.

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How Your Spends Convert to Rewards

Live calculation breakdown for HDFC Millennia Credit Card

Card:

Spend Category	Monthly Spend	Reward Rate	Monthly Value	Annual Value	Status / Caps
Fuel	₹4,000/mo	0% Cashback	₹0	₹0/yr	Excluded
Utilities & Bills	₹4,000/mo	0% Cashback	₹0	₹0/yr	Excluded
Rent	₹10,000/mo	0% Cashback	₹0	₹0/yr	Excluded
Insurance	₹1,500/mo	0% Cashback	₹0	₹0/yr	Excluded
Other Online Shopping	₹6,000/mo	5% Cashback	₹300	₹3,600/yr	Active Earn
Amazon Spends	₹3,500/mo	5% Cashback	₹175	₹2,100/yr	Active Earn
Flipkart Spends	₹2,000/mo	5% Cashback	₹100	₹1,200/yr	Active Earn
Dining & Food Delivery	₹5,000/mo	1% Cashback	₹50	₹600/yr	Active Earn
Other / Offline	₹3,000/mo	1% Cashback	₹30	₹360/yr	Active Earn
Groceries	₹7,000/mo	1% Cashback	₹70	₹840/yr	Active Earn
Travel (Flights/Hotels)	₹4,000/mo	1% Cashback	₹40	₹480/yr	Active Earn

Net annual value across spend levels

All ₹ values exclude GST. Perks like lounge access are shown separately and not added into net value. Rewards use your selected redemption mode (cashback / statement credit).

Card features side by side

Use the table for product rules; use the calculator above for value based on your actual spending.

Feature	HDFC Millennia Credit CardHDFC Bank	Swiggy HDFC Bank Credit CardHDFC Bank
Joining fee	₹1,000	₹500
Annual fee	₹1,000/yr	₹500/yr
Fee waiver	Spend ₹1,00,000/yr	Spend ₹2,00,000/yr
Base reward	1% cashback	1% cashback
Top reward categories	5% amazon, 5% flipkart, 5% online	1% dining, 1% online, 1% other
Redemption friction	Easy	Auto credit
Point expiry	24 months	24 months
Lounge access	None⚠ Standalone lounge access discontinued Dec 2023. Lounge available as quarterly milestone benefit (1 per quarter on ₹1L spend).	None
Forex markup	3.5%	3.5%
Fuel surcharge	1% waiver, up to ₹250/mo	None
Min income · salaried	₹4.2L/yr	₹1.8L/yr
Min income · self-employed	₹6.0L/yr	₹6.0L/yr
Eligibility (as stated)	Salaried: Net Monthly Income > ₹35,000; Self-Employed: ITR > ₹6 Lakh p.a.; Age 21-40	Salaried: Monthly Income ≥ ₹15,000; Self-Employed: ITR > ₹6 Lakh p.a.; Age 21-60 (salaried) / 21-65 (SE)
Recent devaluations	2024-09: Wallet loading (MCC 6540) and all EMI transactions stop earning CashPoints. 2024-09: Education payments via third-party apps stop earning CashPoints. 2023-12: Complimentary domestic lounge access discontinued (lounge only via quarterly milestone).	2026-08: Card being phased out for NEW applicants - official page now states: "We are happy to share that we are introducing New Swiggy Ornge & BLCK HDFC Bank Credit Cards. Existing cardholders will continue to enjoy upgraded features & benefits. Bank will be reaching out to the existing Swiggy HDFC Bank credit card holders to inform about the next steps." Replaced in the acquisition funnel by hdfc-swiggy-ornge (entry tier) and hdfc-swiggy-blck (premium tier). Not deleted from dataset since existing cardholders retain the card; flagged here per standing convention for discontinued/migrating cards.
Verified against	Updated 2026-07Official HDFC Bank Credit Card Page HDFC Bank Schedule of Charges	Updated 2026-08Official HDFC Bank Credit Card Page HDFC Bank Schedule of Charges

How to Compare Credit Cards in India (2026)

Choosing the right credit card isn't just about looking at the highest reward rate. Many premium cards in India come with hidden caps, exclusions on essential categories (like utilities, fuel, and rent), and milestone benefits that are difficult to achieve. Our credit card comparison calculator helps you cut through the marketing jargon by calculating the true Net Annual Valuebased on your unique monthly spending habits.

Whether you're comparing cashback heavyweights like the SBI Cashback Card, Amazon Pay ICICI, or Flipkart Axis, or premium travel cards like HDFC Infinia and Axis Magnus, this tool applies every rule accurately so you can maximize your savings.

Understanding Net Annual Value

Net Annual Value is the actual money you save or earn after subtracting annual fees. We compute this by:

Adding up base rewards and accelerated cashback.
Factoring in milestone bonuses if your spend crosses the threshold.
Subtracting the annual fee (unless your spend qualifies for a fee waiver).
Strictly applying monthly reward caps and category exclusions.

Why Caps and Exclusions Matter

Many cards advertise "5% cashback on everything," but read the fine print and you'll find a monthly cap of ₹1,000 or ₹2,000. Once you hit that cap, your reward rate drops to 1% or even 0%. Similarly, most banks now exclude rent, wallet loads, and insurance from earning rewards. Our calculator factors in all these limits automatically so you don't have to guess.

How this credit card calculator works

Enter what you actually spend each month across online shopping, groceries, dining, travel, fuel, bills and rent. The calculator applies each card's reward rate to the matching category, then applies exclusions and monthly caps. It annualises the result, adds milestones you can realistically reach and subtracts the annual fee after any spend-based waiver.

This is why the card with the highest recurring rewards is not always the best card overall. A lower rewards total can still produce the highest net annual value when its fee is waived or its milestone benefit is larger.

Cashback or travel rewards?

Choose cashback when you want a simple statement credit or the card's points are worth more as vouchers. Choose travel / airmiles when you will redeem points for flights or hotels and the card publishes a higher travel value. Cashback cards are unchanged by this switch; only points-based cards use the selected redemption value.

Before applying, check these details

Whether your biggest spend categories are eligible for rewards.
Monthly caps, minimum redemption amounts and redemption fees.
Annual fee waiver thresholds and milestone expiry rules.
GST on fees and the bank's latest terms before applying.

Credit card comparison FAQs

Which credit card is best for my spending?

There is no universal winner. The best card is the one with the highest net annual value for your category mix after caps, exclusions, milestones and fees.

Why is one card's rewards value lower but its net value higher?

Rewards are recurring cashback or points only. Net value also includes milestone benefits and subtracts the effective annual fee, so those two numbers can legitimately rank differently.

Are lounge access and other perks included?

No. The calculator keeps lounge access, insurance and other non-cash perks visible in the comparison table instead of assigning an arbitrary rupee value to them.

Are the amounts shown after GST?

No. Rupee values exclude GST. Confirm the latest fee, reward and redemption terms with the issuer before applying.

Every Credit Card Matchup We Compare (116)

Each page runs both cards through the same net-annual-value model with caps, exclusions, milestones and fee waivers applied, and calls a winner by spend profile.

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