Card rewards
Is that card actually paying you back?
The card
₹1,000
₹2,000
Vouchers, points or cashback, worth what you'd actually spend them on.
Where you spend
₹8,000
4
₹1,000
Leave blank for no cap.
₹15,000
2
Leave blank for no cap.
₹4,000
1
Leave blank for no cap.
₹20,000
1
Leave blank for no cap.
Result
Net value a year₹11,320
Annual spend₹5,64,000
Rewards a year₹10,320
Effective rate2.01%
Break-even spendAlready coveredThe monthly spend, in the same mix, where rewards cover the fee.
Rewards by category
| Period | Earned | Lost to cap | Total |
|---|---|---|---|
| 1. Dining | ₹3,840 | ₹0 | ₹3,840 |
| 2. Groceries | ₹3,600 | ₹0 | ₹3,600 |
| 3. Fuel | ₹480 | ₹0 | ₹480 |
| 4. Everything | ₹2,400 | ₹0 | ₹2,400 |
Estimates only, not financial advice.