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Card portfolio
Which of your cards to use, keep or close
Add the cards you hold, from all 743 Indian credit cards, and what you spend each month. We work out which card to use for each spend, what each card earns against its fee, and the one card worth adding.
Put each card's credit limit next to it to see how much of your limit your spend uses. The bank reports that share to the credit bureaus every month.
Or paste your list of cards
Use this card for each spend
| Spend | A month | Card | Back | A year |
|---|
Keep or close
| Card | Fee | Adds a year | Verdict |
|---|
The card worth adding
| Card | Annual fee | Adds a year | Takes over |
|---|
Check you meet the bank's age and income rule in the card finder before applying.
How the numbers are worked out
Each spend goes to the card that pays the most on it. The rate comes from the card's own terms as recorded on its card page: a stated %, points per rupee valued at the card's base rate, or a multiple of the base rate. The line that set the rate is shown under each card. Where a card names no rate for a spend, it earns its base rate, and nothing where its terms exclude that spend (fuel, rent, utilities, UPI).
These are estimates. Caps in the card terms are applied: a monthly cap in rupees or points on one spend, a spend limit past which a spend earns nothing, and a cap on the whole card, or on all its bonus rates together. When a card reaches its cap on a spend, the rest of that spend goes to your next best card, and the table says from what amount. Points are valued at the card's base rate. A cap the terms state in a way we cannot read stays out of the numbers and shows under the card instead. Merchant offers tied to one brand or app count only for that brand. Spends abroad lose the card's forex markup, 3.5% where the markup is not recorded. Fuel adds 1% where the card waives the fuel surcharge. UPI needs a RuPay card.
A card's fee counts as zero when the spend it wins clears its waiver. "Adds a year" is what you would lose by closing that card and moving its spends to your next best card, minus its fee.
With limits entered, we show what share of your total limit your spend uses each month, and flag any card where it passes 30%, the line lenders tend to look for, or where your spend on it passes its limit. For a card you might close, we show your share after closing it. Before you close a card: the bank reports a closed card to the credit bureaus, and your total credit limit falls, so the same spend uses more of it. Keep your oldest card. If your credit history is under two or three years, ask the bank to drop the fee or move you to a free card before you close it. RBI's card rules let a bank close a card that has not been used for over a year, after telling you, so use a free card you keep at least once in a while.
Your cards and spends stay in your browser, saved there for next time. They are never sent to us. A shared link carries them after the # in the address, which browsers do not send to this site or to analytics. This is information, not financial advice.