Step 02 of 04
Pick a profile to pre-fill, or tap any category to adjust.
Annual: ₹0
Or pick a suggested amount
Unlocks IDFC Power+ (BigBasket/Zepto 10%) vs Swiggy HDFC (Instamart 10%). The split matters.
Annual: ₹0
Or pick a suggested amount
Delivery (Swiggy, Zomato) vs restaurant dine-in. HDFC Dine Club and EazyDiner need dine-in to earn; Axis ACE and Swiggy HDFC target delivery.
Annual: ₹0
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Splitting online unlocks sub-category cards — Flipkart Axis (marketplaces), Myntra Kotak (clothing), Tata Neu Nykaa (beauty).
Annual: ₹0
Or pick a suggested amount
Co-brand cards only earn at their brand's pumps. IOCL RBL at IndianOil, BPCL SBI at BPCL, IDFC Power+ at HP. Deselect what you don't use — it changes which card we anchor the fuel routing to.
Annual: ₹0
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Flights booked direct (airline website/app) vs via a bank travel portal. Direct bookings earn base rates on most cards; portal bookings unlock HDFC SmartBuy 10X etc.
Annual: ₹0
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Hotels booked direct. Move the portal portion into the Bank travel portal row if you book through HDFC SmartBuy, Axis Travel Edge, or similar.
Annual: ₹0
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HDFC SmartBuy, Axis Travel Edge, ICICI iShop. These portals unlock 10X/15X accelerators on premium cards — the step-change is large vs direct booking.
Annual: ₹0
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BBPS bill-pay. Axis ACE offers 5% capped; most other cards earn standard rates. High-ticket renewables go under Insurance instead.
Annual: ₹0
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Most Indian cards earn 1% on rent via third-party portals like CRED or MagicBricks. The engine treats rent as a high-volume, low-rate base — it matters for total yield but rarely drives the anchor card pick.
Annual: ₹0
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Movies and events. Kotak White Reserve and PVR ICICI offer BookMyShow BOGO; volume matters here because the benefit is a monthly cap, not a % earn.
Annual: ₹0
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Netflix, Prime Video, Spotify. Small bucket, but Amex Smart EMI and select cobrand cards have OTT accelerators worth targeting.
Annual: ₹0
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Ola, Uber, Rapido, metro, auto. Kotak IndiGo Ka-ching and HDFC MoneyBack+ have cab accelerators; metro is usually UPI under the hood.
Annual: ₹0
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Rent, utilities and wallet loads over UPI earn 0% on most cards. OneCard has a capped UPI rule; Swiggy HDFC and ICICI Amazon Pay are surcharge-free at high volumes.
Annual: ₹0
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BigBasket, Croma, Taj Hotels, Westside, 1mg. Tata Neu Infinity (HDFC or SBI) unlocks 5% Neucoins across the Tata ecosystem — worth flagging if you shop here often.
Annual: ₹0
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Amazon Pay, Mobikwik, PayZapp loads. Most cards surcharge or deny these; a small set (Amazon Pay ICICI) treats them as spend.
Annual: ₹0
Or pick a suggested amount
Direct tax, stamp duty, GST. Usually 0% earn and often surcharged 1%. Only a handful of cards (Axis Magnus, IDFC Wealth) earn meaningfully here.
Annual: ₹0
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School and college fees. Most cards surcharge 1% or exclude fees from rewards. Only education-specific cards (HDFC Diners Privilege, Axis Vistara Signature) are meaningful.
Annual: ₹0
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Annual premium renewals paid monthly. Axis ACE gives 5% (capped), HDFC Regalia earns decent reward points. Auto-debit matters because some cards exclude standing instructions.
~₹0 / month equivalent
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Forex spend abroad or on international websites. Zero-markup cards like Scapia Federal (2% cashback) and HDFC Regalia Gold (free unlimited lounges internationally) shine here.
~₹0 / month equivalent
Or pick a range
Uncategorised annual spend — one-off big-ticket items, hobbies, everything not captured above. Routes to your default earn rule on the anchor card.