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💳 Credit Card Reward & Milestone Calculator

25+ Indian cards · Milestone tracking · Devaluation alerts · May 2026 rates. Enter monthly spend — compare annual net value, milestones, and best card for your profile.

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* All reward values are estimates based on publicly documented rates as of May 2026. Verify exact rates, caps, and exclusions with your card issuer before making spending decisions. Reward point values shown at best-case redemption. Milestone values assume spend thresholds are fully met. Finin2min does not endorse any credit card product.
🕐 Last updated: June 2026 · 25+ Indian cards · May 2026 reward rates Methodology →
⚠ Disclaimer
All calculators on Finin2min are for informational and illustrative purposes only. Calculations are based on user-provided inputs and standard financial formulas. Results are indicative estimates and may not reflect actual returns, tax liability, or financial outcomes. Tax computations are based on publicly available Indian tax laws (Finance Act 2025) and may not account for all individual circumstances. Finin2min is not a registered financial advisor, CA, tax consultant, or legal professional. Always consult a qualified Chartered Accountant, SEBI-registered advisor, or relevant professional before making financial or tax decisions. Finin2min is not liable for any decisions made on the basis of outputs from these calculators.
© 2026 Finin2min. All rights reserved. www.finin2min.com Calculator accuracy not guaranteed · For professional use consult a CA/SEBI advisor

Frequently Asked Questions

Which credit card gives the most rewards in India? ▼
It depends on your spending mix. Travel spend: Axis Atlas, HDFC Infinia. Online/shopping: Amazon Pay ICICI (5% on Amazon), Flipkart Axis. Fuel: BPCL SBI Card. Flat cashback: SBI Cashback Card (5% online) or HSBC Cashback (1.5% everywhere). Use the calculator above to compare based on your actual monthly spend — the best card for a ₹1L/month spender differs significantly from someone spending ₹20K/month.
Is a high annual fee credit card worth it? ▼
Premium cards (₹5,000–₹10,000 annual fee) typically become worth it at ₹5–6 lakh+ annual spend. Benefits like airport lounge access (worth ₹1,500–2,000/visit), golf rounds, milestone bonuses, and accelerated reward rates can easily total ₹15,000–₹30,000 in value. The calculator's fee vs benefit analysis quantifies the exact break-even for each card in your shortlist.
What is APR on a credit card? ▼
APR (Annual Percentage Rate) on Indian credit cards is 36–42% per annum (3–3.5% per month). This interest applies only when you carry a balance — i.e., don't pay the full statement amount by the due date. Always pay the full statement balance to avoid interest. One month of interest on ₹50,000 balance = ₹1,500–₹1,750 — wiping out months of rewards.
How do reward points convert to cash value? ▼
Conversion varies widely by card. HDFC Regalia: 1 point = ₹0.25–0.50 (SmartBuy/travel). Axis Magnus/Atlas: 1 EDGE Mile = ₹1 towards flight/hotel. SBI Cashback: direct statement credit at 5% (no conversion). Always compare effective cashback rate (annual value ÷ annual spend) — not raw points. This calculator does exactly that, letting you compare cards on a level playing field.

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