Know the True Net Value of Your Credit Cards
Stop guessing if your credit card is worth its annual fee. Calculate your exact net profit or loss after 18% GST, forex markup, and latest 2026 airport lounge spend rules.
Unsure which credit card suits your lifestyle?
Answer 4 quick questions for a mathematically ranked top 3 card match.
Compare any 2 cards side-by-side with dynamic spend simulation →
Check quarterly spend thresholds across 16 verified cards →
Compare 4 verified 0-Forex cards and trip savings →
Simulate your custom monthly spend across all 20 mainstream cards →
Configure Your Spending Pattern
Adjust monthly spends to calculate your exact net reward profit or loss after fees and taxes.
TATA NEU INFINITY
•••• •••• •••• 2026
Tata Neu Infinity HDFC Bank Credit Card
RuPay / VisaHDFC BankIndia's highest earning RuPay credit card for UPI payments and 10% returns across the Tata retail ecosystem.
MILLENNIA
•••• •••• •••• 2026
HDFC Bank Millennia Credit Card
Visa / Mastercard / Diners ClubHDFC BankIndia's most popular cashback card for online spenders, offering 5% direct cashback on Amazon, Flipkart, Swiggy, and Zomato.
HDFC Infinia Metal Edition
•••• •••• •••• 2026
HDFC Bank Infinia Metal Edition
Visa Infinite / Diners Club Black (Metal)HDFC BankIndia's undisputed king of super-premium cards: 3.3% base reward rate, up to 16.6% on SmartBuy travel, and unlimited global lounge access.
AIRTEL AXIS
•••• •••• •••• 2026
Airtel Axis Bank Credit Card
RuPay / Mastercard / VisaAxis BankThe ultimate monthly recurring bill saver: 25% on Airtel services and 10% on Swiggy, Zomato, and BigBasket. Available on RuPay for UPI payments.
AMAZON PAY
•••• •••• •••• 2026
Amazon Pay ICICI Bank Credit Card
VisaICICI BankIndia's highest circulating lifetime-free credit card offering 5% uncapped cashback on Amazon for Prime members.
CASHBACK
•••• •••• •••• 2026
Cashback SBI Card
Visa / MastercardState Bank of IndiaThe gold standard of universal online cashback: 5% flat cashback across almost all online merchants without portal restrictions.
SCAPIA
•••• •••• •••• 2026
Scapia Federal Bank Credit Card
Visa SignatureFederal BankLifetime Free 0-Forex credit card with low ₹5,000/month spend threshold to unlock airport lounge visits.
ACE
•••• •••• •••• 2026
Axis Bank ACE Credit Card
VisaAxis BankPowerful everyday utility card offering 5% cashback on Google Pay bill payments and 1.5% uncapped offline cashback.
REGALIA GOLD
•••• •••• •••• 2026
HDFC Bank Regalia Gold Credit Card
Visa / MastercardHDFC BankPremium travel & lifestyle card offering lower 2% forex markup and generous Priority Pass international lounge visits.
SIMPLYCLICK
•••• •••• •••• 2026
SimplyCLICK SBI Card
Visa / MastercardState Bank of IndiaAccessible starter shopping card offering 10x reward points on Amazon, BookMyShow, Cleartrip, and Swiggy.
IXIGO AU
•••• •••• •••• 2026
ixigo AU Small Finance Bank Credit Card
RuPay / VisaAU Small Finance BankIndia's best rail and flight travel card featuring 0% forex markup, 16 railway lounges, and 8 airport lounge visits. Available on RuPay for UPI payments.
RUBYX
•••• •••• •••• 2026
ICICI Bank Rubyx Credit Card
Mastercard + American Express / RuPayICICI BankDual-card power: 2 cards (Visa + Mastercard) on 1 credit limit with ₹5,000 welcome shopping vouchers and 25% BookMyShow discount.
WORLD SAFARI
•••• •••• •••• 2026
RBL Bank World Safari Credit Card
Mastercard WorldRBL BankThe pioneer 0% forex markup card in India, saving ~4.13% on overseas trips, online foreign SaaS, and travel bookings.
SBI Card PRIME
•••• •••• •••• 2026
SBI Card PRIME
Visa / Mastercard / American ExpressState Bank of IndiaPremium lifestyle card packed with ₹3,000 welcome gift vouchers, 4 Priority Pass lounge visits, and 20 reward points on utility standing instructions.
FIRST CLASSIC
•••• •••• •••• 2026
IDFC FIRST Classic Credit Card
VisaIDFC FIRST BankLifetime Free credit card with low dynamic interest rates (9%-36% APR) and reward points that never expire.
Kotak League Platinum
•••• •••• •••• 2026
Kotak League Platinum Credit Card
RuPay / VisaKotak Mahindra BankAccessible starter card with low ₹50,000 annual spend waiver threshold and free PVR movie ticket milestone rewards.
CORAL
•••• •••• •••• 2026
ICICI Bank Coral RuPay Credit Card
RuPay / Visa / MastercardICICI BankAccessible RuPay card linked to UPI offering 25% discount on BookMyShow and railway lounge access.
ATLAS
•••• •••• •••• 2026
Axis Bank Atlas Credit Card
Visa / MastercardAxis BankIndia's premier airline & hotel transfer card with 1:2 mile conversion ratios to Accor, Singapore Airlines, and Qatar Airways.
ONECARD METAL
•••• •••• •••• 2026
OneCard Metal Credit Card
Visa Infinite / RuPay (Metal)OneCard (Federal / SBM / CSB / Indian Bank)Lifetime Free metal card with lower 1% forex markup and automated 5x multipliers on your top 2 monthly spend categories.
MAYURA METAL
•••• •••• •••• 2026
IDFC FIRST Mayura Metal Credit Card
Visa Infinite (Metal)IDFC FIRST BankLuxury metal card designed for global jet-setters offering true 0% forex markup and 32 airport lounge & spa visits.
Credit Card Charges by Issuer
Joining fee, annual fee, the all-in figure with 18% GST, waiver spend and forex markup for every card an issuer has on file.
Explore Verified Credit Card Fee & Devaluation Schedules
Detailed breakdown of annual fees, waiver terms, GST, lounge access rules, and official issuer MITCs.
MILLENNIA
•••• •••• •••• 2026
HDFC Bank Millennia Credit Card
India's most popular cashback card for online spenders, offering 5% direct cashback on Amazon, Flipkart, Swiggy, and Zomato.
REGALIA GOLD
•••• •••• •••• 2026
HDFC Bank Regalia Gold Credit Card
Premium travel & lifestyle card offering lower 2% forex markup and generous Priority Pass international lounge visits.
TATA NEU INFINITY
•••• •••• •••• 2026
Tata Neu Infinity HDFC Bank Credit Card
India's highest earning RuPay credit card for UPI payments and 10% returns across the Tata retail ecosystem.
CASHBACK
•••• •••• •••• 2026
Cashback SBI Card
The gold standard of universal online cashback: 5% flat cashback across almost all online merchants without portal restrictions.
AMAZON PAY
•••• •••• •••• 2026
Amazon Pay ICICI Bank Credit Card
India's highest circulating lifetime-free credit card offering 5% uncapped cashback on Amazon for Prime members.
AIRTEL AXIS
•••• •••• •••• 2026
Airtel Axis Bank Credit Card
The ultimate monthly recurring bill saver: 25% on Airtel services and 10% on Swiggy, Zomato, and BigBasket. Available on RuPay for UPI payments.
ACE
•••• •••• •••• 2026
Axis Bank ACE Credit Card
Powerful everyday utility card offering 5% cashback on Google Pay bill payments and 1.5% uncapped offline cashback.
MAYURA METAL
•••• •••• •••• 2026
IDFC FIRST Mayura Metal Credit Card
Luxury metal card designed for global jet-setters offering true 0% forex markup and 32 airport lounge & spa visits.
WORLD SAFARI
•••• •••• •••• 2026
RBL Bank World Safari Credit Card
The pioneer 0% forex markup card in India, saving ~4.13% on overseas trips, online foreign SaaS, and travel bookings.
SCAPIA
•••• •••• •••• 2026
Scapia Federal Bank Credit Card
Lifetime Free 0-Forex credit card with low ₹5,000/month spend threshold to unlock airport lounge visits.
IXIGO AU
•••• •••• •••• 2026
ixigo AU Small Finance Bank Credit Card
India's best rail and flight travel card featuring 0% forex markup, 16 railway lounges, and 8 airport lounge visits. Available on RuPay for UPI payments.
SIMPLYCLICK
•••• •••• •••• 2026
SimplyCLICK SBI Card
Accessible starter shopping card offering 10x reward points on Amazon, BookMyShow, Cleartrip, and Swiggy.
ONECARD METAL
•••• •••• •••• 2026
OneCard Metal Credit Card
Lifetime Free metal card with lower 1% forex markup and automated 5x multipliers on your top 2 monthly spend categories.
FIRST CLASSIC
•••• •••• •••• 2026
IDFC FIRST Classic Credit Card
Lifetime Free credit card with low dynamic interest rates (9%-36% APR) and reward points that never expire.
SBI Card PRIME
•••• •••• •••• 2026
SBI Card PRIME
Premium lifestyle card packed with ₹3,000 welcome gift vouchers, 4 Priority Pass lounge visits, and 20 reward points on utility standing instructions.
CORAL
•••• •••• •••• 2026
ICICI Bank Coral RuPay Credit Card
Accessible RuPay card linked to UPI offering 25% discount on BookMyShow and railway lounge access.
ATLAS
•••• •••• •••• 2026
Axis Bank Atlas Credit Card
India's premier airline & hotel transfer card with 1:2 mile conversion ratios to Accor, Singapore Airlines, and Qatar Airways.
Kotak League Platinum
•••• •••• •••• 2026
Kotak League Platinum Credit Card
Accessible starter card with low ₹50,000 annual spend waiver threshold and free PVR movie ticket milestone rewards.
RUBYX
•••• •••• •••• 2026
ICICI Bank Rubyx Credit Card
Dual-card power: 2 cards (Visa + Mastercard) on 1 credit limit with ₹5,000 welcome shopping vouchers and 25% BookMyShow discount.
HDFC Infinia Metal Edition
•••• •••• •••• 2026
HDFC Bank Infinia Metal Edition
India's undisputed king of super-premium cards: 3.3% base reward rate, up to 16.6% on SmartBuy travel, and unlimited global lounge access.
Frequently Asked Questions on Indian Credit Card Charges
Regulatory facts, RBI directions, and fee mechanics governing credit cards in India.
Why do credit cards have negative net value?
Most cardholders focus only on reward points (e.g. 1.5%) and overlook compulsory charges. An annual fee of ₹1,000 + 18% GST costs ₹1,180. If your annual spend only yields ₹800 in points, you lose ₹380 every single year without realizing it.
What changed with Airport Lounge access in 2025 and 2026?
Major banks (HDFC, ICICI, Axis) transitioned from unconditional complimentary visits to milestone spend-linked access. For instance, HDFC Millennia and ICICI Coral now require ₹50,000 spend in the previous calendar quarter to unlock 1 lounge visit.
How does 0% Forex Markup save money?
Standard credit cards charge 3.5% foreign currency markup plus 18% GST on that fee (effective 4.13% loss). On an overseas trip or online foreign SaaS spend of ₹1,00,000, standard cards cost ₹4,130 in markup, whereas cards we hold a verified 0% markup for (IDFC FIRST Mayura Metal Credit Card, RBL Bank World Safari Credit Card, Scapia Federal Bank Credit Card, ixigo AU Small Finance Bank Credit Card) charge nothing on the conversion.