Axis Magnus Burgundy
The Frequent Flyer
Invest in the right credit cards. For free.
Tell us how you spend. We'll compute the optimal credit card stack for you — ranked by net value, fee-adjusted, personalised to your spending.
No signup · No email · Takes 2 minutes
HDFC Swiggy
The Foodie
HDFC Infinia Metal
The Maharaja
Amazon Pay ICICI
The Online Addict
Tata Neu Infinity
The Tata Loyalist
35
credit cards modelled
across every major issuer
18
spend categories
dining, rent, UPI & more
2 min
to your stack
no signup, no email
Monthly
data refresh
devaluations logged
How it works
Personalised. Transparent. Free.
We're a calculator, not a sales funnel. The optimizer ranks cards by your spend math — never by payouts.
01
Tell us how you spend
Share your monthly spend across 18 categories — dining, groceries, fuel, travel, and more. Defaults are pre-filled based on typical Indian household patterns.
YOUR MONTHLY SPENDING
Dining ₹12,500
Groceries ₹22,000
Fuel ₹8,000
Online shopping ₹16,800
Travel ₹11,500
02
We compute the stack
Every rupee gets routed to the card earning the highest reward on it. Annual fees, category caps, forex markup, and milestone bonuses are all factored in — not hand-waved away.
ROUTING ENGINE
Online shopping
Amazon Pay ICICI · 5%
+ ₹10,080
Dining
HDFC Swiggy · 10%
+ ₹15,000
Travel
Axis Magnus · 4.8%
+ ₹6,624
Everything else
HDFC Infinia · 3.3%
+ ₹18,200
03
Get three portfolio variants
A full-optimal stack (up to 10 cards), a minimalist 3-card stack for simplicity-seekers, and a pure cashback stack for folks who hate redemption portals. Pick one. Or mix and match.
Full optimal
5 cards
₹52,400annual
Minimalist
Max 3 cards
₹41,200annual
Cashback only
No points
₹34,800annual