Credit cards · India
You already own the right card. You just swiped the wrong one.
CardVeda holds every card in your wallet, works out what each one actually pays after caps and spend hurdles, and tells you which to use before you pay.
We never ask for card details. Only the card variant.
No card number, no CVV, no expiry date, no statement uploads, and no bank login. You tell us you hold, say, an HDFC Infinia — that name is the whole of it, and we do the arithmetic from the published benefits.
Other
Amazon Pay ICICI Bank Credit Card
Platinum
Axis Bank super.money RuPay
Infinite
Infinia Metal Edition
Example wallet · figures from the live catalog
The one thing it does
Seven categories. One card wins each.
Pick a category. This is the same six-card wallet every time, ranked by the same engine your dashboard runs, on the same catalog — what each card returns in rupees a month at a stated level of spend. Your own wallet will rank differently, which is the point.
Infinite
Infinia Metal Edition
Unlimited Priority Pass access with no spend hurdle at all, and points worth a rupee each on the spend itself. The card below it matches the unlimited access — unlocked by ₹20,000 of spend in the month, exactly the assumption here — and costs nothing a year against ₹12,500.
Value per month
₹20,000 a month on the card
These six cards are a fixed example, not a shortlist. Open your dashboard to rank the cards you actually hold.
5 of 6 cards in this wallet earn on lounge; the other 1 is hidden.
- HDFC Bank Infinia Metal Editionwins₹4,666
- Federal Bank Scapia₹4,400
- IndusInd Bank Pinnacle₹1,983
- Amazon Pay ICICI Bank Credit Card₹200
- HDFC Bank Millennia₹200
Computed from the catalog: after caps and minimum spends, valued in rupees rather than points. Entitlements that arrive whatever you spend — lounge visits, movie tickets, the fuel surcharge waiver — are priced from the card’s own terms at a realistic rate of use, not from the spend above.
How the numbers work
The rate on the website is not the rate you keep.
Three numbers describe every reward card, and only the third one is money. Worked through on one statement month: ₹60,000 booked through a bank travel portal on an HDFC Infinia, with reward points valued at ₹1 each, which is roughly what they fetch against a flight.
Base rewards
₹2,000
3.3% of spend
5 reward points per ₹150, the rate that applies to everything. 60,000 ÷ 150 × 5 = 2,000 points.
Accelerated rewards
₹20,000
33.3% of spend
The same spend routed through the bank’s own booking portal earns 10x. 2,000 × 10 = 20,000 points. This is the number the forums quote.
What you keep
₹17,000
28.3% of spend
Bonus points are capped at 15,000 a month. Of the 18,000 bonus points earned, 3,000 never arrive. You keep 2,000 base + 15,000 bonus.
The middle column is what gets quoted. The right column is what lands in your account. CardVeda only ever shows you the right column, with the cap stated next to it.
Milestone spend
An Amex Platinum Travel turns ₹1,90,000 of annual spend into about ₹7,700 of vouchers, and ₹4,00,000 into roughly ₹11,000 more. Finish the year at ₹3,95,000 and the second one simply does not happen. CardVeda states each milestone and the spend it needs on the card itself, so the gap is visible before the year is over.
Forex markup
A 3.5% markup on ₹80,000 of international spend costs ₹2,800. That is more than most of these cards return in a good month, and it never appears in a rewards table. A card at 1.99% saves ₹1,208 on the same trip.
Browse the catalog
Every Indian card, ranked for the thing you care about.
Best cards by category
- Best for lounge accessHDFC Bank Infinia Metal Edition leads
- Best for diningIndusInd Bank EazyDiner leads
- Best for movie ticketsIndusInd Bank Pinnacle leads
- Best for travelKotak Mahindra Bank Kotak Solitaire leads
- Best for online shoppingHSBC RuPay Cashback Credit Card leads
- Best for fuelIDFC FIRST Bank IDFC FIRST HPCL Power+ leads
- Best for UPI paymentsAxis Bank super.money RuPay leads
By issuer
- American Express 6
- AU Small Finance Bank 2
- Axis Bank 20
- Bank of Baroda 13
- Canara Bank 16
- CSB Bank 2
- Federal Bank 2
- HDFC Bank 15
- HSBC 7
- ICICI Bank 24
- IDBI Bank 6
- IDFC FIRST Bank 18
- IndusInd Bank 7
- Karur Vysya Bank 2
- Kotak Mahindra Bank 24
- OneCard 1
- Punjab National Bank 9
- RBL Bank 21
- SBI Card 41
- Standard Chartered 7
Or the whole catalog, every card on one page.
Often compared
- HDFC Bank Infinia Metal Edition
- Kotak Mahindra Bank Kotak Solitaire
- IndusInd Bank EazyDiner
- IndusInd Bank Solitaire
- IndusInd Bank Pinnacle
- Punjab National Bank PNB Visa Signature Credit Card
- Kotak Mahindra Bank IndiGo Kotak Premium
- HSBC RuPay Cashback Credit Card
- HSBC Live+ Credit Card
- IDFC FIRST Bank IDFC FIRST HPCL Power+
- BPCL SBI Card OCTANE
- Axis Bank super.money RuPay
- HDFC Bank Tata Neu Infinity
Start with what you hold
Add your cards once. Stop guessing at the counter.
Adding four cards takes about a minute. You get a per-category ranking, every cap and spend hurdle stated up front, and an honest read on whether the annual fee on each one is still worth paying.
Free while we are in beta. Sign in with Google or an email address.