What is each card worth to you?

Enter what you spend in a typical month. Every card's rules are applied transaction by transaction, including caps, exclusions, milestones, fee waivers and forex costs.

Monthly spending₹56,000/mo · ₹6,72,000/yr

Online shoppingOffline retailGroceryDiningFlightsHotelsOther travelUtilitiesFuelInsuranceEducationRentGovernment / taxUPI (RuPay)Wallet loadsInternationalEverything else

How you use benefits

Domestic lounge visits / yrInternational lounge visits / yrMovie tickets / monthGolf rounds / yrVouchers you'll use: 100%Dining at partner restaurants: 50%

First year (joining fee instead of renewal fee)

Your spending stays in this browser. It is sent only to compute results and is never stored on our servers.

₹56,000 a month, ranked by conservative net value a year (rewards and milestones minus fees and GST).

Include benefits I use

Your spending stays in this browser. It is sent with each calculation and never stored on our servers. How we calculate