Step 03 of 04
Your tradeoffs.
Two questions that meaningfully change which cards we recommend.
Fee-waiver buffer
How much extra are you willing to route to a card if it unlocks its annual-fee waiver? Used as a tiebreaker — we'll never push spend to a card that doesn't earn back the fee.
₹5,000
Annual rupees we can nudge to help a card reach its waiver threshold.
Memberships you already pay for
Enabling these lets us count rewards that only apply through these channels (e.g. Amazon Prime pricing, SmartBuy hotel bookings).