A personal card advisor

WhichCard

Tell it which credit cards you hold. It tells you which one to swipe — for every spend category, with researched rates, caps, milestones and fee math you can check. 16 cards in the catalog, verified 7 Aug 2026.

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Every spend, answered

Online spendE-commerce and apps — Amazon, Flipkart, Myntra, and anything paid through a browser or app.Offline spendIn-store swipes and taps at a POS machine.UPI spendingScan-and-pay from a credit card through GPay, PhonePe or Paytm. Only RuPay credit cards can be linked to UPI at all, so most of a wallet simply can't play here — the cards that can are listed with the rate they actually earn on it.DiningRestaurants and food delivery — Swiggy, Zomato, EazyDiner.GroceriesSupermarkets and grocery stores — DMart, Reliance Smart, BigBasket.Quick commerce10-minute delivery apps — Blinkit, Zepto, Instamart. Most cards treat these as groceries; rates fall back to the grocery rate unless a card names them separately.Subscriptions & OTTRecurring digital plans — Netflix, Prime, Spotify, SaaS. Falls back to the online rate unless a card calls these out.Movies & showsCinema tickets and events — PVR INOX, BookMyShow. Flat perks like buy-one-get-one live on each card's detail panel.FuelPetrol pumps. Most cards earn nothing here and only waive the 1% surcharge — fuel co-brands are the real winners.Travel (general)Trains, cabs, tour operators and bank travel portals — anything not specifically a flight or hotel booking.FlightsAirline tickets, direct or via a portal. Falls back to the general travel rate unless a card prices flights separately.HotelsHotel and stay bookings. Falls back to the general travel rate unless a card prices hotels separately.InternationalSpends in foreign currency. Ranked net of forex markup — the reward minus the markup is what you actually keep.Utilities & billsElectricity, mobile, broadband, DTH, gas.RentRent via CRED, NoBroker, Paytm and similar. Most issuers now charge a fee and pay nothing.Education feesSchool and college fees. Widely excluded from rewards, and often fee-charged when paid through a third-party app.Insurance premiumsLife, health and motor premiums. Frequently excluded or capped — check the exclusions on each card.Government & taxTax payments, challans and government portals. Almost universally excluded from rewards since 2023.JewelleryGold and jewellery purchases — a common exclusion because of the resale-arbitrage risk.Wallet loadsTopping up Paytm, PhonePe and other prepaid wallets.Anything elseThe default swipe when a spend fits nothing above — ranked purely on each card's base rate.