Match exact scope
Use the card variant, deposit type, customer category and effective date that actually apply.
Fee model
Put the controlling product term into the model—not the headline you remember.
Use the current annual fee, tax treatment, waiver rule and benefits you would genuinely buy.
Inputs
Annual-fee break-even
Do not assign full face value to lounge visits, vouchers or memberships you would not otherwise purchase.
Keep exclusions separate
Caps, taxes, DCC, premature closure, payout method and excluded spend may need separate treatment.
Recheck before action
Product terms can change after the recorded review date or after you last used this calculator.