Match exact scope
Use the card variant, deposit type, customer category and effective date that actually apply.
Reward model
Put the controlling product term into the model—not the headline you remember.
Use the exact eligible-spend, exclusion and cap rules from the card you are evaluating.
Inputs
Estimate monthly reward value
Use an effective rate after exclusions. For points cards, convert points into the rupee value of the redemption you actually use.
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.