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 ↑Based on your spending, Axis Airtel earns you most.
Also great for your profile:
| 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% | Check eligibility & apply |
| 2 | SBI Cashback Best Overall | ₹0 (waived) | ₹13,440 | ₹13,440 | 2.80% | Check eligibility & apply |
| 3 | Axis Flipkart Highest Cashback | ₹0 (waived) | ₹12,840 | ₹12,840 | 2.67% | Check eligibility & apply |
| 4 | SBI SimplyCLICK Low Fee | ₹0 (waived) | ₹12,480 | ₹12,480 | 2.60% | Check eligibility & apply |
| 5 | HDFC Millennia Multi-Platform | ₹0 (waived) | ₹10,440 | ₹10,440 | 2.17% | Check eligibility & apply |
| 6 | Axis ACE Flat Cashback | ₹0 (waived) | ₹10,320 | ₹10,320 | 2.15% | Check eligibility & apply |
| 7 | ICICI Amazon Pay FreeLifetime Free | Free | ₹9,840 | ₹9,840 | 2.05% | Check eligibility & apply |
| 8 | IDFC FIRST HPCL Power+ Fuel HPCL | ₹0 (waived) | ₹8,100 | ₹8,100 | 1.69% | Check eligibility & 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.