Credit Card Savings Calculator
Enter your typical monthly spending and we'll rank the best credit cards for your habits. See exactly how much you could save per year with each card — after accounting for annual fees.
Your monthly spending
Total monthly spend: ₹27,000
Best cards for your spending
Axis Bank ACE Credit Card
Axis Bank
₹11,501
net savings/year
AU Small Finance Bank LIT Credit Card
AU Small Finance Bank
₹11,340
net savings/year
SBI Cashback Credit Card
SBI
₹10,401
net savings/year
OneCard Credit Card
OneCard (FPL)
₹8,520
net savings/year
Flipkart Axis Bank Credit Card
Axis Bank
₹8,260
net savings/year
Amazon Pay ICICI Credit Card
ICICI
₹7,560
net savings/year
HDFC Millennia Credit Card
HDFC
₹6,080
net savings/year
HDFC Regalia Credit Card
HDFC
₹2,300
net savings/year
IDFC FIRST Classic Credit Card
IDFC FIRST
₹2,250
net savings/year
ICICI Bank Coral Credit Card
ICICI
₹1,390
net savings/year
Savings are estimates based on published reward rates. Actual rewards may vary based on terms, caps, and promotional changes. Last updated: June 2026.
How this calculator works
We apply each card's published reward rates to your spending across 7 categories. For cards with tiered rewards (e.g., 5% up to ₹5,000/month, then 1%), we calculate each tier separately. The "net savings" figure subtracts the annual fee — so you see the real benefit.
For reward-points cards, we convert points to approximate rupee value based on typical redemption rates. Cashback cards show direct ₹ value.
Choosing the right card: key factors
- Spending pattern match: A 5% card is worthless if you don't spend in that category
- Annual fee vs savings: A ₹2,500 fee card must save you more than ₹2,500/year to be worth it
- Reward caps: Some cards cap cashback at ₹500-₹1,000/month — check limits
- Redemption hassle: Cashback auto-credits to statement. Points need manual redemption and lose value if not used well
- Welcome benefits: Sign-up bonuses (₹500-₹2,000 in vouchers) offset the first-year fee
Popular cards for Indian online shoppers
Amazon Pay ICICI — Best for heavy Amazon users. 5% unlimited cashback on Amazon, lifetime free. The most popular shopping card in India.
Flipkart Axis Bank — 5% unlimited on Flipkart and Myntra, 4% on dining and entertainment. Best if you split shopping between Flipkart and food delivery apps.
HDFC Millennia — 5% on Amazon/Flipkart via SmartBuy, 2.5% on all online transactions. Good all-rounder if you have diverse online spending.
AU LIT — Choose 3 categories for 3.5% cashback, change anytime. Lifetime free. Best for people with non-standard spending patterns.
Frequently asked questions
Can I have multiple credit cards to maximize rewards?
Yes — many deal-savvy shoppers hold 2-3 cards and use each for its best category. For example: Amazon Pay ICICI for Amazon, Flipkart Axis for Flipkart/Myntra, and Axis ACE for utilities and groceries.
Does having multiple cards affect my credit score?
Each card application triggers a hard inquiry (small temporary dip). But in the long term, multiple cards increase your total available credit, which can improve your utilization ratio and help your score — as long as you pay on time.
How accurate are these savings estimates?
We use published reward rates as of June 2026. Actual savings depend on specific merchant classification, promotional offers, and whether you redeem points optimally. Treat these as close estimates, not exact figures.