Credit Card Comparison · India
Is Your Credit Card Earning as Much as It Should?
Most people are leaving ₹5,000–₹20,000 on the table every year with the wrong card. Enter your current card and your monthly spend across Amazon, Swiggy, fuel, and groceries. We calculate exactly how much you earn today — and which cards would earn you more.
How it works
Three inputs. One clear answer.
Select your current card
Choose from 50+ Indian credit cards. We know each card's exact reward rates for every spend category — shopping, dining, fuel, and more.
Enter your monthly spend
Break your spending down by category: Amazon and Flipkart for shopping, Swiggy and Zomato for food, HPCL/BPCL for fuel, BigBasket for groceries. Approximate numbers are fine.
See your annual gain
Every card that would earn you more is ranked by annual gain — the exact rupee difference you'd pocket by switching. No generic rankings, no hidden paid placements.
The tool
Beat My Card
Which card do you currently use?
Select the card you want to benchmark against. We'll calculate what you're earning today.
How much do you spend per month?
Enter your approximate monthly spend in each category. Leave blank if you spend nothing there.
What we calculate
Category-by-category reward rates, applied to your spend
Indian credit cards have vastly different reward structures depending on where you spend. The same ₹10,000 monthly spend can earn anywhere from ₹100 to ₹1,500 depending on the card and category.
Questions
How the calculation works
How does the Beat My Card tool calculate annual rewards?
The tool takes your monthly spend in each category — online shopping (Amazon, Flipkart, Myntra), dining and food delivery (Swiggy, Zomato), travel, fuel, groceries (BigBasket, Zepto, Blinkit), and entertainment — and applies the exact reward rate each card offers for that category. For cashback cards, the result is direct cashback value. For points cards, we apply the card's points-to-rupee conversion rate. The total across all categories is your estimated annual reward.
Why might my actual rewards differ from the estimate?
Four reasons: (1) Monthly caps — some cards cap accelerated rewards at ₹2,000–₹5,000 of category spend per month; we account for published caps but banks occasionally adjust them. (2) Excluded MCCs — banks exclude certain merchant category codes (fuel stations without surcharge waiver, wallet loads, government payments) from reward accrual. (3) Points redemption value — the value of reward points varies: the same points can be worth ₹0.25 when redeemed for products versus ₹1.50 for business class flights. (4) Welcome bonuses are not included as they are one-time, not recurring.
Which cards are included in the comparison?
The tool compares against all 50+ active Indian credit cards in the SingleVerdict database, covering HDFC Bank, SBI Card, Axis Bank, ICICI Bank, Kotak Mahindra, American Express, IndusInd Bank, RBL Bank, IDFC FIRST, YES Bank, Standard Chartered, and others. Cards are updated when banks announce reward structure changes.
Should I switch to the card with the highest annual gain?
Not necessarily. A high-reward card may have a high annual fee that offsets the gain, or may require a higher income or CIBIL score than you currently have. Use this tool to identify candidates, then visit each card's detail page for a full review of fees, eligibility, and benefits before applying. For a holistic recommendation that accounts for your income, CIBIL score, and fee tolerance, use the full personalised verdict tool.
Does using this tool affect my CIBIL score?
No. This tool does not ask for or store any personal information. It runs entirely in your browser — no data is sent to our servers. Only a formal credit card application submitted to a bank triggers a hard inquiry on your credit report.
What if I use two or three cards already?
This tool currently benchmarks against a single primary card. For a multi-card strategy — where you use different cards for different categories — visit the Full Verdict tool and check the "Power Combo" suggestion at the top of your results. It identifies a complementary second card that covers a different spend category from your primary recommendation.
Full recommendation
Want a verdict that accounts for your income and CIBIL score too?
Beat My Card tells you which card earns more. The full verdict also checks eligibility, fee tolerance, and reward preference — and gives you one scored recommendation with reasons.