The answer before the jargon

Which card wins for this spend?

Pick what you are buying. See a simple estimated annual return after card fees, the cap and the catch. Flip to a card page to see where that card works best.

01 / Your spend

Make it specific.

One spend category, repeated monthly. For new cards, we subtract the listed annual fee and indicative 18% GST from twelve months of this one spend. Other card spending can exhaust a shared cap or qualify you for a renewal waiver. Already own it? Ignore the sunk annual fee.

02 / The result

Return after fees.

Estimated net assumes this category repeats for 12 months. First-year offers, renewal waivers, eligibility and other spend are not counted. Caps reset on the bank's cycle. Negative return is possible after fees.

Choose the other direction

Already have a card?

Each card page shows its strongest spend and what does not count.

SBI Card · Online shopping

CASHBACK SBI Card ↗

5% online, 1% in store

HDFC Bank · Amazon + food

HDFC Millennia ↗

5% at ten named merchants

ICICI Bank · Amazon

Amazon Pay ICICI ↗

5% Amazon Prime / 3% otherwise

HSBC India · Food + groceries

HSBC Live+ ↗

10% on daily essentials

HDFC Bank · Swiggy

Swiggy HDFC Bank Credit Card ↗

10% inside Swiggy app

HDFC Bank · Tata ecosystem

Tata Neu Infinity HDFC ↗

5% at Tata brands, 1.5% elsewhere

The method

We don't score what we cannot verify.

SaveSage presents 700+ cards and broad estimates. We start narrower: current issuer terms, separate monthly caps, and the cash value you can actually use. A catalog name without issuer-verified terms is not a return estimate. This first release covers six high-demand cards; we are not claiming every Indian card is here.

Returns are category-specific and indicative, not a recommendation to borrow or apply. If you carry a balance, card interest usually outweighs rewards. We do not send you to application pages without a verified affiliate relationship.

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