Credit Card Rewards Calculator India 2025 - Compare 100+ Cards
Calculate and compare rewards from 100+ Indian credit cards. Find the best HDFC, SBI, ICICI, Axis Bank, and other credit cards based on your spending pattern. Updated with latest offers for August 2025.
Enter Your Monthly Spending by Category
Monthly Total: ₹0 | Annual Total: ₹0
🏆 Top Credit Card Recommendations for Your Spending
💡 Our Top Recommendation
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Select a profile that matches your lifestyle for instant calculation:
🎓 Student
Perfect for college students with limited spending
- • Online Shopping: ₹3,000
- • Food Delivery: ₹2,000
- • Entertainment: ₹1,000
- • Others: ₹2,000
💼 Working Professional
For young professionals with moderate spending
- • Dining: ₹4,000
- • Travel: ₹3,000
- • Online Shopping: ₹5,000
- • Fuel: ₹2,500
- • Others: ₹5,500
👨👩👧👦 Family Person
For families with regular household expenses
- • Groceries: ₹8,000
- • Fuel: ₹5,000
- • Bills: ₹4,000
- • Online Shopping: ₹7,000
- • Others: ₹8,000
🏢 Business Owner
For entrepreneurs with high business expenses
- • Travel: ₹10,000
- • Dining: ₹6,000
- • Fuel: ₹8,000
- • Online Shopping: ₹10,000
- • Others: ₹15,000
🔥 Trending Credit Cards August 2025
Most popular cards this month based on user searches:
Credit Card Offers by Major Indian Cities
Special credit card offers and cashback deals available in Mumbai, Delhi, Bangalore, Chennai, Pune, Hyderabad, Kolkata, Ahmedabad, Jaipur, and Surat. Our calculator works for residents of all Indian cities and provides personalized recommendations based on local spending patterns.
Frequently Asked Questions about Credit Card Rewards
Based on our analysis, SBI Cashback card offers 5% cashback on online purchases and Axis ACE card provides 5% on bill payments. However, the "best" card depends on your spending pattern - use our calculator above to find your personalized recommendation.
Our calculator uses real reward rates from 100+ credit cards issued by major Indian banks including HDFC, SBI, ICICI, Axis Bank, Kotak, and others. We update the database monthly with latest offers and terms. The calculations include annual fees to show net value.
Yes! Many users maximize rewards by using different cards for different spending categories. For example, use SBI Cashback for online shopping (5%), HDFC Regalia for dining (4X points), and Axis ACE for bill payments (5%). Our calculator helps you plan this strategy.
Cashback is direct money credited to your account. Reward points can be redeemed for shopping, travel bookings, or statement credits. Our calculator converts all rewards to equivalent cash value for easy comparison. Generally, 1 reward point = ₹0.25 to ₹1 depending on redemption method.
Most reward programs have terms like minimum redemption amounts, expiry dates, and category caps. Our calculator factors in annual fees and common restrictions. Always read the terms and conditions. Some cards have monthly caps on bonus categories (like ₹5,000 monthly cap on 5% cashback).
Different banks excel in different categories: HDFC Bank for premium cards and dining rewards, SBI for cashback cards, Axis Bank for travel cards, and ICICI for co-branded cards. The "best" depends on your spending pattern - use our calculator to find your perfect match.