Multi-Card Wallet Leak Auditor
Select the credit cards you currently carry. Our algorithmic engine routes each of the 12 Indian spend categories to your highest-yielding card, flags 0% exclusion traps, and finds the single card that adds maximum net cash back.
Select Your Current Cards (2/4 Selected)
Monthly Credit Card Spend: ₹50,000/mo
Annual rewards (₹22,340) minus card fees & 18% GST (₹0).
Cashback lost to 0% excluded categories and hitting monthly cap ceilings across your cards.
Copy a structured Markdown table formatted for Reddit (r/CreditCardsIndia) or WhatsApp.
Add Airtel Axis Bank Credit Card
"Essential everyday card delivering unbeatable 10% cashback on utility bills, Swiggy, Zomato, and BigBasket, but severely limited by strict monthly cashback caps."
Plugs 0% exclusion traps by capturing accelerated returns on Electricity, Water, Gas, Swiggy, Zomato, Blinkit, Zepto, Instamart where your current wallet currently under-earns.
Annual Fee: ₹500 (Fee + GST is fully deducted in our net calculation above).
12 Spend Categories • Optimal Card Routing
Automated Best-Card Allocation| Category | Share | Monthly Spend | Routed Card | Rate | Monthly Reward |
|---|---|---|---|---|---|
| Amazon, Flipkart & Myntra Shopping | 25% | ₹12,500 | HDFC Regalia Gold Credit Card | 6.66% | ₹833 |
| Scan & Pay Merchant UPI | 15% | ₹7,500 | HDFC Regalia Gold Credit Card | 1.33% | ₹100 |
| Electricity, Water, Gas & Broadband Bills | 12% | ₹6,000 | HDFC Regalia Gold Credit Card | 1.33% | ₹80 |
| Swiggy, Zomato & Dining Out | 12% | ₹6,000 | SBI Cashback Credit Card | 5% | ₹300 |
| Blinkit, Zepto, Instamart & Supermarkets | 10% | ₹5,000 | SBI Cashback Credit Card | 5% | ₹250 |
| Petrol & Diesel at Fuel Stations0% Trap | 8% | ₹4,000 | SBI Cashback Credit Card | 0% | ₹0 |
| Flights, Hotels & IRCTC Trains | 8% | ₹4,000 | HDFC Regalia Gold Credit Card | 6.66% | ₹266 |
| LIC, Health & Term Insurance Premiums | 5% | ₹2,500 | HDFC Regalia Gold Credit Card | 1.33% | ₹33 |
| House Rent & School/College Fees0% Trap | 5% | ₹2,500 | SBI Cashback Credit Card | 0% | ₹0 |
| International Travel & Forex Spends | 0% | ₹0 | SBI Cashback Credit Card | 1% | ₹0 |
| Gold, Silver & Jewelry Purchases | 0% | ₹0 | SBI Cashback Credit Card | 0% | ₹0 |
| Income Tax, GST & Challan Payments | 0% | ₹0 | SBI Cashback Credit Card | 0% | ₹0 |