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CardMath.in2026 MITCSmart Reward Math
3,489 Mathematical Indian Credit Card Comparisons • Pre-Computed 2026 MITC Math

Mathematically Optimal Indian Credit Card Calculators

Stop guessing reward rates. Our programmatic engine computes exact monthly caps, 18% GST deductions, and 0% exclusion traps across 30 top Indian cards.

3,489Pre-Computed Routes
30Verified Top Cards
12Spend Categories
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Multi-Card Wallet Leak Auditor

Carry 2 to 4 cards? Select your current wallet to calculate hidden 0% exclusion traps on utilities, rent & insurance, and discover the #1 missing card that maximizes your net annual rewards.

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Quick Matchup & Spend Finder

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Silo 1: 315 Pages

Head-to-Head Card Comparisons

C(10, 2) × 7 spend brackets
₹50,000/moCompare

SBI Cashback Credit Card vs Airtel Axis Bank Credit Card

Winner: Airtel Axis Bank Credit Card wins by +₹480/yr.

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₹1,00,000/moCompare

HDFC Regalia Gold Credit Card vs Axis Bank Atlas Credit Card

Winner: HDFC Regalia Gold Credit Card wins by +₹1,532/yr.

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₹30,000/moCompare

Tata Neu Infinity HDFC Credit Card vs Amazon Pay ICICI Bank Credit Card

Winner: Tata Neu Infinity HDFC Credit Card wins by +₹3,996/yr.

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₹30,000/moCompare

Ixigo AU Credit Card vs IDFC FIRST Select Credit Card

Winner: Ixigo AU Credit Card wins by +₹3,789/yr.

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Silo 2: 120 Pages

0% MITC Exclusion Trap Calculators

10 cards × 12 categories
0.0% Exclusion TrapElectricity, Water, Gas & Broadband Bills

SBI Cashback Credit Card

Explicitly excluded by MITC. Switch to Tata Neu Infinity HDFC Credit Card to earn up to +₹30,000/yr.

See Alternative Switch→
0.0% Exclusion TrapHouse Rent & School/College Fees

Axis Bank Atlas Credit Card

Explicitly excluded by MITC. Switch to SBI Cashback Credit Card to earn up to +₹0/yr.

See Alternative Switch→
0.0% Exclusion TrapLIC, Health & Term Insurance Premiums

SBI Cashback Credit Card

Explicitly excluded by MITC. Switch to Amazon Pay ICICI Bank Credit Card to earn up to +₹12,000/yr.

See Alternative Switch→
0.0% Exclusion TrapGold, Silver & Jewelry Purchases

Amazon Pay ICICI Bank Credit Card

Explicitly excluded by MITC. Switch to SBI Cashback Credit Card to earn up to +₹0/yr.

See Alternative Switch→
0.0% Exclusion TrapPetrol & Diesel at Fuel Stations

American Express Membership Rewards Credit Card

Explicitly excluded by MITC. Switch to BPCL SBI Card OCTANE to earn up to +₹30,000/yr.

See Alternative Switch→
0.0% Exclusion TrapHouse Rent & School/College Fees

Airtel Axis Bank Credit Card

Explicitly excluded by MITC. Switch to SBI Cashback Credit Card to earn up to +₹0/yr.

See Alternative Switch→
Silo 3: 84 Pages

Category Spend Tier Leaderboards

7 spend tiers × 12 categories
₹50,000/moAmazon, Flipkart & Myntra Shopping

#1 HDFC Diners Club Black Metal Edition

Net Return: +₹35,421/yr (5.9% ROI).

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₹30,000/moSwiggy, Zomato & Dining Out

#1 Swiggy HDFC Bank Credit Card

Net Return: +₹22,058/yr (6.13% ROI).

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₹1,00,000/moFlights, Hotels & IRCTC Trains

#1 HDFC Infinia Metal Edition

Net Return: +₹1,43,297/yr (11.94% ROI).

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₹50,000/moElectricity, Water, Gas & Broadband Bills

#1 Tata Neu Infinity HDFC Credit Card

Net Return: +₹25,173/yr (4.2% ROI).

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₹30,000/moBlinkit, Zepto, Instamart & Supermarkets

#1 Swiggy HDFC Bank Credit Card

Net Return: +₹25,888/yr (7.19% ROI).

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₹50,000/moScan & Pay Merchant UPI

#1 Axis Bank Atlas Credit Card

Net Return: +₹16,067/yr (2.68% ROI).

View 10-Card Rankings→