Credit
Credit Card Reward Value Calculator
The real rupee return on a card, after the annual fee.
₹1,000₹50,000₹50 L
01.5%15
₹0₹2,500₹1 L
₹0₹2,500₹5 L
₹0₹0₹2 L
Net value per year (ongoing)
₹6,050
- Rewards + perks75%
- Fee25%
- Annual spend
- ₹6,00,000
- Rewards earned
- ₹9,000
- Annual fee incl. 18% GST
- ₹2,950
- Net value in year 1
- ₹8,550
- Effective return on spend
- 1.01%
- Monthly spend to break even
- ₹16,389
What this means.A genuine 1.01% return. Remember the GST on the annual fee — most comparisons forget it, and it is 18% on top of the sticker fee.
Worth knowing.Results are estimates based on the assumptions you enter. Actual outcomes depend on the exact terms offered to you, the compounding convention your institution uses, and tax law as it applies to your situation. Nothing here is personalised advice.
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This calculator runs entirely in your browser. Your income, loan amount, salary and any other figure you type is never transmitted to Credsir or anyone else. Nothing is stored, logged or shared.