Compare any credit cards (2026)
Choose any two or three 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.
Your monthly spend
₹50,000/moE-Commerce & Online
Daily Essentials
Most cards earn ₹0 rewards on fuel (surcharge waiver only).
Frequently excluded from rewards in India.
Lifestyle, Bills & Other
Almost always earns ₹0 and may carry a fee.
Often excluded or capped.
1HDFC Bank · fee waived at your spend
2HDFC Bank · fee waived at your spend
Smart verdict
Get the Swiggy HDFC Bank Credit Card — it earns you +₹4,400/yr over the HDFC Millennia Credit Card, mostly from your dining & food delivery spend.
It flips to the HDFC Millennia Credit Card if that drops to about ₹0/mo.
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).
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.