See the real numbers.
Most Indians make credit card decisions based on vibes. These calculators show you the actual rupees — what you're saving, earning, and wasting.
Forex Markup Calculator
How much are you actually paying abroad?
Enter your planned trip spend in rupees
You're paying
₹4,130
in forex fees
Zero forex saves
₹4,130
vs your card
Effective cost
4.13%
incl. 18% GST
Reward Point Value Calculator
What are your points actually worth?
Points worth
₹2,000
at ₹0.20/point
Effective earn rate
—
on typical spends
Best redemption
Flights
for max value
Annual Fee Break-Even
Is your premium card earning its keep?
Annual rewards
₹15,000
from your spend
Lounge value
₹12,000
saved at airport
Net gain / loss
+₹22,000
after annual fee
All calculations are estimates based on standard rates and assumptions. Actual values vary by card, bank, and redemption method. Always verify current rates with your bank before making decisions.