Your points are a plane ticket. You just haven’t booked it yet.
That range is computed from each card’s published earn rules — real math, not a self-reported guess. Link a statement and Statement Truth turns the estimate into your verified spend, today.
One price, one age stamp, one source.
We cache the lowest cash fare on the corridors Indian points actually pay for. Nothing here is a live quote, and we never pretend it is.
1,50,000 points is a business seat to Singapore, or ₹75,000 in catalogue vouchers.
The same balance is worth ₹2,70,000 or ₹75,000 depending on where it goes. We show both numbers, and where each one came from.
EstimatedHDFC Infinia Metal Edition · 1,50,000 pts
Every number here traces back to something.
Published earn rules
We read each card’s rate card as the bank publishes it — base rate, category multipliers, caps, exclusions. Not the marketing copy, the terms.
Your spend, your split
The slider applies a category split to the amount you set. Change it and the maths reruns in front of you — nothing is precomputed.
Redemption at cached value
Points convert at fares we have actually seen, with the age stamped. When a fare gets old we say so rather than quietly reusing it.
Answer seven questions. Get the card the maths picks.
We don’t run a credit check and we don’t pre-qualify you — nobody in India honestly can from a web form. We compute what each card returns on your spend and show the working.
Nothing is stored until you ask us to.
What these cards would actually earn you.
Ranked by computed annual value at the spend you set above — not by who pays us. Move the slider and this reorders.
Estimated from published earn rules at the spend above. Link a statement to replace these with verified figures.
Four ways to stop leaving money behind.
Roast my card
Tell us what you carry. We grade it against what you spend and say plainly whether the fee earns its keep.
Statement Truth
Upload a statement and the estimate becomes your verified spend. Nothing leaves your account.
Trip planner
Point us at a route and we show which of your points get you there, at cached fares with the age on each.
Switch wizard
If a better card exists for your spend we say which and by how much. If one doesn’t, we say that too.
Ask it anything about your cards.
You’re earning about 1.2% effective. For a ₹2,500 annual fee you need roughly ₹2L a month to break even.
Verdict: overpriced for most spends. Axis Magnus or IDFC Wealth do more at your level.
Cards worth knowing about.
Chosen by our team — not ranked by anyone’s spending, and nobody paid to be here.