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COFFERCards. Points. Value.

Calculator

Which card for your spending

Ordered by the bank’s printed rates at the spend you entered. The figures are Coffer’s arithmetic from those rates, not the banks’ claim. Nothing here is a recommendation.

₹25,000 a month, ₹3,00,000 a year.

78 cards, in rupees

  • Max Credit Card

    YES Bank · Annual fee not on file

    ₹15,000 a year

    ₹25,000 a month × 5% = ₹15,000 a year

  • Times Black ICICI Bank Credit Card

    ICICI Bank · Annual fee ₹20,000 · −₹14,000 after the fee

    ₹6,000 a year

    ₹25,000 a month × 2% = ₹6,000 a year

  • Live+ Card

    HSBC India · Annual fee ₹999 · ₹3,501 after the fee

    ₹4,500 a year

    ₹25,000 a month × 1.5% = ₹4,500 a year

  • Tata Neu Infinity SBI Card

    SBI Card · Annual fee not on file

    ₹4,500 a year

    ₹25,000 a month × 1.5% = ₹4,500 a year

  • Titan SBI Card

    SBI Card · Annual fee not on file

    ₹4,500 a year

    ₹25,000 a month × 6 Reward Points per ₹100 = 18,000 points a year

  • Axis Bank Ace Credit Card

    Axis Bank · Annual fee ₹499 · ₹4,001 after the fee

    ₹4,500 a year

    ₹25,000 a month × 1.5% = ₹4,500 a year

  • Utkarsh Eternal Credit Card

    Utkarsh Small Finance Bank · Annual fee not on file

    ₹3,750 a year

    ₹25,000 a month × 1.25% = ₹3,750 a year

  • Utkarsh Small Finance Bank Rhodium Card

    Utkarsh Small Finance Bank · Annual fee not on file

    ₹3,750 a year

    ₹25,000 a month × 1.25% = ₹3,750 a year

  • RuPay Cashback Card

    HSBC India · Annual fee ₹499 · ₹2,501 after the fee

    ₹3,000 a year

    ₹25,000 a month × 1% = ₹3,000 a year

  • BYOC Credit Card

    YES Bank · Annual fee not on file

    ₹3,000 a year

    ₹25,000 a month × 1% = ₹3,000 a year

107 cards in their own currency

These banks do not print what one point is worth, so these cards cannot be ranked against rupees.

  • Axis Bank Privilege Credit Card

    Axis Bank · Annual fee not on file

    15,000 points a year

    ₹25,000 a month × 10 points per ₹200 = 15,000 points a year

  • YES BANK novio Credit Card

    YES Bank · Annual fee not on file

    15,000 points a year

    ₹25,000 a month × 5 coins per ₹100 = 15,000 points a year

  • Axis Bank Select Credit Card

    Axis Bank · Annual fee ₹3,000

    15,000 points a year

    ₹25,000 a month × 10 Axis EDGE points per ₹200 = 15,000 points a year

  • IDBI Bank LICCSL 'Elat' Credit Card

    IDBI Bank · Annual fee not on file

    12,000 points a year

    ₹25,000 a month × 4 Delight Points per ₹100 = 12,000 points a year

  • YES First Business Credit Card

    YES Bank · Annual fee not on file

    12,000 points a year

    ₹25,000 a month × 8 Reward Points per ₹200 = 12,000 points a year

  • NEXTERIA Credit Card

    Union Bank of India · Annual fee ₹12,499

    12,000 points a year

    ₹25,000 a month × 5 reward points per ₹125 = 12,000 points a year

  • Union Unicorn Rupay credit card

    Union Bank of India · Annual fee ₹2,400

    12,000 points a year

    ₹25,000 a month × 4 reward points per ₹100 = 12,000 points a year

  • AIR India SBI Signature Card

    SBI Card · Annual fee not on file

    12,000 points a year

    ₹25,000 a month × 4 Reward points per ₹100 = 12,000 points a year

  • Ultimate Credit Card

    Standard Chartered India · Annual fee not on file

    10,000 points a year

    ₹25,000 a month × 5 reward points per ₹150 = 10,000 points a year

  • PNB Zaggle Co-Branded Twin Credit Card

    Punjab National Bank · Annual fee ₹499

    10,000 points a year

    ₹25,000 a month × 10 reward points per ₹300 = 10,000 points a year

14 business cards

  • BizFirst Credit Card

    HDFC Bank · Annual fee not on file

    ₹3,000 a year

    ₹25,000 a month × 1% = ₹3,000 a year

  • Paytm HDFC Bank Business Credit Card

    HDFC Bank · Annual fee ₹500 · ₹2,500 after the fee

    ₹3,000 a year

    ₹25,000 a month × 1% = ₹3,000 a year

  • HDFC Bank UPI RuPay Biz Credit Card

    HDFC Bank · Annual fee not on file

    ₹3,000 a year

    ₹25,000 a month × 1% = ₹3,000 a year

  • Micro Enterprise Credit Card

    HDFC Bank · Annual fee not on file

    ₹600 a year

    ₹25,000 a month × 2 CashPoints per ₹200 = 3,000 points a year

  • BizBlack Metal Edition Credit Card

    HDFC Bank · Annual fee not on file

    10,000 points a year

    ₹25,000 a month × 5 reward points per ₹150 = 10,000 points a year

  • Corporate Premium Credit Card

    HDFC Bank · Annual fee not on file

    10,000 points a year

    ₹25,000 a month × 5 reward points per ₹150 = 10,000 points a year

  • Purchase Premium Credit Card

    HDFC Bank · Annual fee not on file

    8,000 points a year

    ₹25,000 a month × 4 Reward Points per ₹150 = 8,000 points a year

  • BizPower Credit Card

    HDFC Bank · Annual fee not on file

    7,500 points a year

    ₹25,000 a month × 5 Reward Points per ₹200 = 7,500 points a year

  • Corporate Platinum Credit Card

    HDFC Bank · Annual fee not on file

    6,000 points a year

    ₹25,000 a month × 3 reward points per ₹150 = 6,000 points a year

  • Corporate World Master Card

    HDFC Bank · Annual fee not on file

    4,000 points a year

    ₹25,000 a month × 2 reward points per ₹150 = 4,000 points a year