Enter your monthly spend across 7 categories. We'll tell you exactly how much you earn, the net value after fees, and your true reward rate — no marketing gimmicks.
Enter your average monthly spend in each category below.
Enter your spending details on the left and click "Calculate My Rewards" to see your personalised reward breakdown.
No guesswork. Just honest math.
Input your actual monthly spend across 7 categories — not aspirational numbers. The more accurate you are, the better the result.
Each card has different reward rates for different categories. We apply the actual rates (not the advertised maximum) to calculate your real earnings.
We subtract the annual fee (including 18% GST) to show you the true net value — what you actually pocket, not what the bank advertises.
Everything you need to know