Make the numbers personal

What could your
spending earn?

Enter individual purchases from one representative month. We repeat that month twelve times and show rewards less membership fees.

Illustrative estimate, not guaranteed cashback or a recommendation. Assumes eligible merchant coding and full, on-time repayment. Enter each purchase separately so minimum transaction rules can be applied.

Your monthly purchases

Amounts in INR. No names, card numbers or application details.

Estimated yearly value

Rewards minus fees

Fixed editorial order. Amounts can be negative.

Includes 18% GST on membership fees. Amazon Pay balance is valued at face value, not withdrawable cash.

Assumptions & limitations — read before relying on an estimate
  • Each row is one purchase, repeated monthly. Splitting a monthly total across small transactions can reduce rewards. Duplicate categories are allowed.
  • Domestic personal retail only. Named merchant rows exclude gift cards, precious metals, EMI and any issuer-excluded purchases. Swiggy means eligible food, Instamart or Dineout, not wallet or liquor.
  • Flipkart, Myntra and Cleartrip caps apply separately across each three-month statement quarter; a repeat-month model cannot predict lumpy or irregular spending.
  • HSBC: selected merchant rows Amazon, Flipkart and Myntra earn base cashback. Broader shopping acceleration and changing preferred-merchant offers are omitted.
  • Ornge: Swiggy and select online share a cap; BLCK uses separate caps. Ornge online uses the product page’s conservative ₹249 minimum where its wording differs from the PDF. Other retail uses ₹100.
  • Waivers count only modelled retail as a conservative lower bound. Other qualifying spend may also count. Strict “greater than” and inclusive thresholds differ. First-year waivers and fee-linked benefits are omitted; no renewal waiver is applied to first-year fees.
  • Amazon rounds down reward per purchase. Other issuers’ rounding and settlement may differ; values are estimates rounded to paise.
  • No welcome bonuses, memberships, lounge value, surcharge waivers, temporary discounts, redemption costs outside modelled statement credits, interest, late fees, forex or transaction surcharges are modelled. Excluded-category inputs earn zero in this conservative model, even if a special route might qualify.
  • All rewards remain conditional on account status, MCC/MID assignment, issuer terms and reversals. Check the source links for each card.