Quick Summary: Credit Card Rewards Optimizer

A Credit Card Rewards Optimizer helps you maximize 'Net Value' by comparing point/miles earning rates against annual fees. For example, a card offering 5x rewards on travel might be better than a 5% cashback card for high spenders. Always factor in the INR value of 1 point (usually ₹0.20 to ₹1.00) to find the true reward rate.

How to use the Credit Card Rewards Optimizer

  1. Enter Category Spends

    Input your monthly spending on Dining, Travel, Groceries, and Utilities.

  2. Select Your Cards

    Select the credit cards you currently own from the list.

  3. Optimize Routing

    The tool identifies which card to use for each category to maximize monthly reward value.

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Regulatory Disclaimer

Last verified May 2026

Nature:Calculator platform and is NOT a SEBI-registered Investment Adviser. All calculations are indicative.

Risk:"Investments in securities market are subject to market risks. Read all related documents carefully before investing."

Consult a SEBI-registered IA or CA for personalised advice.

9 out of 10 traders in F&O incurred net losses (SEBI 2023). Tax estimates based on IT Act 2025. Trezoriq is not liable for financial decisions based on results.