Cash Back Calculator
Compare credit cards to find which earns most cashback on your spending.
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๐ก Expert Tips
Net cashback = gross rewards minus annual fee.
Category cards beat flat-rate cards if you spend in those categories.
How to read your result
Cash-back value depends entirely on whether you'd have made the purchase anyway โ cash-back on spending you wouldn't otherwise do isn't really a gain, it's spending with a partial rebate, and comparing cards purely on their headline cash-back rate ignores annual fees and category restrictions that often matter more.
โ ๏ธ Common Mistakes
โ Increasing spending specifically to earn more cash-back.
โ Cash-back is a rebate on money already being spent, not free money โ spending more to earn a 1-5% rebate is a net loss unless the purchase was something you needed regardless.
โ Comparing cards by headline cash-back rate without checking category caps and annual fees.
โ Many cards cap the top cash-back rate to specific categories or a spending limit, with a lower default rate elsewhere โ the effective average rate across your actual spending is often well below the advertised headline number.
โ Carrying a balance to 'maximize' cash-back rewards.
โ Interest charges on a carried balance (often 30%+ APR) dwarf any cash-back earned (typically 1-5%) โ cash-back only makes sense if the balance is paid in full every month.
Frequently Asked
How to maximise cashback?โพ
Use category cards for top spending areas and a flat-rate card for everything else.
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Quick tip
Indian credit cards charge 36-42% APR.