Enter your spending habits. We calculate exactly how much reward you earn, whether it covers the fee, and your real net value — in seconds.
Select a card and enter your monthly spends on the left, then click Calculate Recovery.
Real math. No fluff.
We use category-specific reward rates (not one flat rate) to accurately model what your card actually earns you.
Annual reward minus annual fee = your real net gain. If negative, the card is costing you money.
We check if your annual spend crosses the fee waiver threshold — so you know if you can get the fee for free.
CardKiBaat is India’s only platform with all these tools in one place.