Category
UPI spending
Scan-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.
No card in your wallet earns rewards on upi spending yet.
When you add a card that does, it will rank here automatically.
Best in market
Top-tier picks from the whole Indian market — whether you hold them or not.
This category hasn't been researched against the market yet.
Ask for a market refresh and the top three picks land here.
Your wallet · UPI spending
What this category is actually worth
The same checks as the wallet page, narrowed to all 0 cards that earn on upi spending. Set a monthly figure for it in to put rupees on these.
Earnings here
What each card would return on upi spending at your spend — raw rates, before caps.
Every card in your wallet is excluded from upi spending — see the reasons in the table above.
Milestone progress
Milestones on these cards, against your total spend routed to one card.
None of the cards that earn here has a milestone.
Fee check — does each card pay for itself?
Value is still counted across your whole wallet, not just this category — a card earns its fee wherever it wins. Waivers are not assumed.
| Card | Fee | Value/yr | Verdict |
|---|
Where the market beats your wallet
Your best card against the top pick in Best in market, just above — the numbers only, since the pick itself is already on this page.
No market pick with a comparable rate for this category yet.