Credit Card True Value Calculator

Estimate how much value a card may generate from your spending after annual fees. Use realistic reward rates and caps from the issuer's official terms.

Kotak Mahindra BankKotak Privy League Signature Credit Card

Your spending assumptions

Online Shopping / month (₹)

Reward / Cashback (%)

Dining / month (₹)

Reward (%)

Grocery / month (₹)

Reward (%)

Travel / month (₹)

Reward (%)

Utilities / Other / month (₹)

Reward (%)

Annual Fee (₹)

Other annual benefits you value (₹)

Your illustrative annual value will appear here.