Best Credit Card for Your Apps

Select the apps you use, set your monthly spend, and we'll rank every major Indian credit card by the annual cashback you'll actually earn.

Tap the apps you use regularly

Select at least one app above to see your best card match.

How this calculator works

✅

Rates are sourced from official issuer websites and reflect MCC-specific bonuses, not just headline numbers.

📊

A high rate on Swiggy matters more if you spend ₹4,000/month there than ₹500/month. Enter your actual spends for a personalised rank.

💰

Results show cashback earned minus the annual fee so you can compare lifetime-free and paid cards on equal footing.

Amazon Pay ICICI — Best single card for Amazon shoppers. Lifetime free. Non-Prime members get 3% (still solid).

SBI Cashback — 5% on all online spends with no merchant list is uniquely powerful. Fee waived on ₹2L/year spend.

HDFC Millennia — Covers 8 preferred merchants at 5% but has a ₹1,000/quarter cap per category, so useful up to ~₹6,500/month combined.

Flipkart Axis Bank — Best for Flipkart + Myntra power users. Also gives 4% on Swiggy, Zomato, and Ola — strong combo card.

Swiggy HDFC Bank — 10% on Swiggy is the highest category rate in India. Cap is ₹500/month (₹5,000 spend). Excellent alongside a general card.

BPCL SBI Octane— If you fill up at BPCL, this card's 7.25% effective value back is unmatched. Poor value if you don't use BPCL pumps.