Wallet
Is your wallet earning its keep?
Fees versus value, milestone progress, and where your wallet lags the market — all computed from the spend profile below.
Spend profilenot set — the numbers below need it
Stored in this browser only — never in the data files, and it never changes the rankings.
Earnings by category
Best card per category at your spend — sorted by what it's worth per year.
| Category | Best card | Rate | ₹/yr |
|---|---|---|---|
| Online spend | — | — | — |
| Offline spend | — | — | — |
| UPI spending | — | — | — |
| Dining | — | — | — |
| Groceries | — | — | — |
| Quick commerce | — | — | — |
| Subscriptions & OTT | — | — | — |
| Movies & shows | — | — | — |
| Fuel | — | — | — |
| Travel (general) | — | — | — |
| Flights | — | — | — |
| Hotels | — | — | — |
| International | — | — | — |
| Utilities & bills | — | — | — |
| Rent | — | — | — |
| Education fees | — | — | — |
| Insurance premiums | — | — | — |
| Government & tax | — | — | — |
| Jewellery | — | — | — |
| Wallet loads | — | — | — |
| Anything else | — | — | — |
Milestone progress
Your total spend (₹0/mo) against what each milestone needs routed to that one card.
No milestones on your current cards.
Fee check — does each card pay for itself?
Value = the categories this card wins at your spend, plus at most one milestone per card — funded from your actual total, no rupee counted twice. Waivers are not assumed.
| Card | Fee | Value/yr | Verdict |
|---|
Fee-waiver spend thresholds can zero most of these — each card's waiver is in its detail panel.
Where the market beats your wallet
Top market pick against your best card, from the 7 Aug 2026 scan.
No comparable market picks loaded.
Biggest single win right now: fill in the spend profile above to find out.