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★ THE HONEST NUMBER ON EVERY CARD IN INDIA591 CARDS TRACKEDNO BIAS · NO SIGNUP · 60 SECONDSSBI CARD · RBL BANK · AXIS BANK · YES BANK · HDFC BANK · ICICI BANK · BANK OF BARODA (BOBCARD)

You're probably losinga trip to Paris every year!

Most cardholders never check whether their card fits how they actually spend. In about 60 seconds, we'll match your spending against the 591 cards we track in India — and show you what the difference could buy.

Calculate My Rewards

*every number on this page comes from the 591 cards in our India catalogue.

FIND YOUR MISSING POINTS
•••• •••• 8793
Tell us roughly how you spend and we'll rank the 591 cards we track in India against it.
NO SIGNUP · TAKES 60 SECONDS
Start the 60-second quiz

The honest number on every card in India.

the full index · pointsexplained.com/in591 CARDS

CardFeeWelcomeTop rate
₹9994,000 pts12 pts per ₹100 OnlineNot yet checked with RBL Bank
₹9995,000 pts5% Blinkit / Zepto / Myntra / Swiggy / Zomato / Meesho / Urban Company / Flipkart / AJIONot yet checked with RBL Bank
₹4992,000 pts1 pts per ₹100 OtherNot yet checked with RBL Bank
₹4992,000 pts2 pts per ₹100 OnlineNot yet checked with RBL Bank
₹9994,000 pts2 pts per ₹100 OnlineNot yet checked with RBL Bank
₹1,4995,000 pts10 pts per ₹100 GroceriesNot yet checked with RBL Bank
₹3,0008,000 pts20 pts per ₹100 dining on weekendsNot yet checked with RBL Bank
₹7,00028,000 pts10 pts per ₹100 international transactions
₹499500 pts—
₹5,00020,000 pts—

not yet checked against a published document

581 more, ranked for your exact spending
See my full ranking

India, by the numbers.

i.
591
cards tracked
ii.
52
issuers covered
iii.
384
fees confirmed from issuer terms
iv.
100%
unbiased & free, always

Short reads, straight answers.

01

How to actually value a point

Why "1 point = 1p" is usually wrong — and the number that matters.
6 MIN
1p1.6p2.1pSAME POINT ·2× THE VALUE
02

Welcome bonuses, decoded

The minimum-spend traps, and clearing a bonus without overspending.
5 MIN
SPEND ₹3,000 IN 3 MONTHSOVERSPEND TRAP15,000PTS
03

Is an annual fee ever worth it?

The break-even math, in one rule of thumb.
4 MIN
FEE −₹156EARN +₹1,576EARN OUTWEIGHS FEE
04

The referral effect

Why one friend's pick becomes the office default — and how to benefit.
3 MIN
YOU+₹50+₹50ONE PICK → FOUR FRIENDS
POINTSEXPLAINED · CLAIM TICKET Nº 0001EXPIRES: NEVER · TAKES 60 SEC

Your spending already earned it.
Come collect.

MEMO: free · no signup · ranked against every card we track in India
VOID IF UNCLAIMED

How it works — and where to start.

i.

Tell us how you spend

A few numbers, no account — about sixty seconds.

ii.

We run the numbers

First-year value across 591 cards: bonus + earn − fee, using only figures we hold.

iii.

You pick your winner

Clear, easy, yours. Then apply in minutes.

★ BROWSE BY CATEGORY · INDIASCROLL TO EXPLORE · HOVER FOR EXAMPLESTAP FOR EXAMPLES
PREMIUM№ 1

Premium

336 cards in India.

336 cards
HOVER FOR EXAMPLESTAP FOR EXAMPLES
EXAMPLES№ 1

Binge Credit Card · Jalsa Credit Card · Platinum Advantage Credit Card

Browse all 336
REWARDS№ 2

Rewards

213 cards in India.

213 cards
HOVER FOR EXAMPLESTAP FOR EXAMPLES
EXAMPLES№ 2

Platinum Advantage Credit Card · Platinum Choice Credit Card · Platinum Plus Credit Card

Browse all 213
WELCOME BONUS№ 3

Welcome Bonus

111 cards in India.

111 cards
HOVER FOR EXAMPLESTAP FOR EXAMPLES
EXAMPLES№ 3

Binge Credit Card · Jalsa Credit Card · Platinum Advantage Credit Card

Browse all 111
NO ANNUAL FEE№ 4

No Annual Fee

106 cards in India.

106 cards
HOVER FOR EXAMPLESTAP FOR EXAMPLES
EXAMPLES№ 4

BOBCARD PRIME · CMA ONE BOBCARD · Fibe Axis Bank Credit Card

Browse all 106
LOUNGE ACCESS№ 5

Lounge Access

94 cards in India.

94 cards
HOVER FOR EXAMPLESTAP FOR EXAMPLES
EXAMPLES№ 5

Axis Bank Privilege Easy Credit Card · Emeralde Private Metal Credit Card · Emirates Emeralde Credit Card

Browse all 94
TRAVEL№ 6

Travel

89 cards in India.

89 cards
HOVER FOR EXAMPLESTAP FOR EXAMPLES
EXAMPLES№ 6

Avios Visa Infinite Credit Card · BOBCARD PREMIER · Emeralde Private Metal Credit Card

Browse all 89
CASH BACK№ 7

Cash Back

61 cards in India.

61 cards
HOVER FOR EXAMPLESTAP FOR EXAMPLES
EXAMPLES№ 7

RBL Bank Bankbazaar SaveMax Pro Credit Card · Axis Bank Freecharge Credit Card · RBL Bank Paisabazaar Duet Credit Card

Browse all 61

Questions, answered plainly.

How is "first-year value" calculated?

Welcome bonus plus earn rates against your actual spending, minus the annual fee — using only the figures we hold for each card, and leaving out any we have not confirmed.

How do you make money if it's unbiased?

Today it doesn't: PointsExplained has no affiliate partnerships and earns nothing from card issuers. Rankings are driven by value to you, by the same rules for every card — and we show the math.

Where do the card details come from?

The issuer's own published terms, and in some countries the regulator's own product data. Where we hold a figure we print it; where we don't, we leave it blank and say so rather than guess.