Read Review Methodology
Independent Card Audits

Unbiased Indian Card Teardowns

We evaluate Indian credit cards by calculating actual net annual rupee yield after annual fees, GST, and redemption capping rather than superficial point multipliers.

100%

unbiased calculations

₹0

bank sponsorship influence

45+

cards audited line-by-line

Compare These Cards
Featured Card Comparison

HDFC Millennia Versus SBI Cashback

Our head-to-head analysis cuts through point multipliers to evaluate net annual value. SBI Cashback delivers direct statement credit, while Millennia relies on voucher redemption gates and milestone thresholds.

On a monthly spend of fifty thousand rupees across online merchants, SBI Cashback yields four thousand rupees net gain after fee deduction, beating Millennia by eight hundred rupees.

Evaluation Parameters

Rigorous Four-Point Audit Standard

Fee Calculations

Fee Waivers and Break-Even Math

We calculate the exact spending needed to hit annual fee waiver thresholds, including eighteen percent GST on charges, ensuring net rupee yield stays positive.

Fine Print Audits

Forex Markup and Capping Limits

Our teardowns expose monthly cashback capping limits, foreign exchange markups, and merchant category exclusions that quiet bank terms hide from cardholders.

Perk Evaluation

Lounge Access and Perks

We audit lounge access caps, spend-linked visit requirements, and milestone gift vouchers to determine real utility for frequent Indian domestic travelers.

Run Reward Math

Verify Card Yields Today

Run your custom monthly spending profile through our calculator to find your highest net rupee card.