Credit Card Cashback Estimator – Free Online Calculator India 2026
Compare 15 credit cards in India by real yearly cashback savings. Enter your monthly spends across 7 categories — fuel, shopping, food, bills, travel, rent, and other. Instant results, no signup.
Your Monthly Spends (₹)
Enter or adjust amounts. Results update instantly.
Results — 15 Cards Ranked by Net Savings
Sorted by net savings ↑| Rank | Card | Annual Fee | Yearly Cashback | Net Savings | Eff. Rate | Apply |
|---|---|---|---|---|---|---|
| 1 | Axis Airtel Best for Bills | ₹0 (waived) | ₹16,200 | ₹16,200 | 3.38% | Apply |
| 2 | SBI Cashback Best Overall | ₹0 (waived) | ₹13,440 | ₹13,440 | 2.80% | Apply |
| 3 | Axis Flipkart Highest Cashback | ₹0 (waived) | ₹12,840 | ₹12,840 | 2.67% | Apply |
| 4 | SBI SimplyCLICK Low Fee | ₹0 (waived) | ₹12,480 | ₹12,480 | 2.60% | Apply |
| 5 | HDFC Millennia Multi-Platform | ₹0 (waived) | ₹10,440 | ₹10,440 | 2.17% | Apply |
| 6 | Axis ACE Flat Cashback | ₹0 (waived) | ₹10,320 | ₹10,320 | 2.15% | Apply |
| 7 | ICICI Amazon Pay FreeLifetime Free | Free | ₹9,840 | ₹9,840 | 2.05% | Apply |
| 8 | IDFC FIRST HPCL Power+ Fuel HPCL | ₹0 (waived) | ₹8,100 | ₹8,100 | 1.69% | Apply |
Apply Now links may be affiliate links. Rankings are based on your entered spends only. Verify rates with issuers before applying.
How the Estimator Works — Methodology
- Spend-weighted rewards: Multiplies monthly spend × 12 × card's reward rate for each category.
- Cashback caps applied: SBI Cashback ₹5,000/month, Axis Flipkart ₹4,000/quarter per partner. Actual cap-limited rewards shown.
- Fee waiver logic: If total annual spend ≥ threshold, annual fee is set to ₹0.
- Net savings: Yearly cashback − Effective annual fee. Cards ranked by this number.
- Effective rate: Net savings ÷ Annual spend × 100%.
Data sourced from issuer T&C documents (March 2026). Reward rates and caps may change — always verify before applying.
FAQs — Cashback Estimator
How does the credit card cashback estimator work?
Enter monthly spends across 7 categories. The tool calculates annual cashback for each of 15 cards using actual reward rates, applies caps and fee waivers, then ranks by net savings (cashback minus annual fee). Updates instantly.
Is this credit card cashback estimator free?
Yes, completely free. No signup, no registration, no personal data required.
How accurate is the cashback estimator?
It uses actual reward rates from issuer T&C (March 2026) with real caps applied. Actual cashback may vary slightly based on merchant MCC coding by your bank.