Find what your wallet already leaves behind.
Most people put everything on one card. Enter the cards you hold and roughly what you spend, and this shows the gap between that habit and routing each category to the right card, plus the one new card that would add the most. Every rate comes from the verified catalog.
1. The cards you hold
2. What you spend each month
Amazon, Flipkart, ecommerce
Restaurants, Swiggy, Zomato
Flights, hotels, cabs
Petrol, utilities, recharges
Groceries, retail, the rest
Rates and caps come from the card catalog. Cards without a verified date are labelled as such on their card page. Milestone-earning cards are left out of the routing because they do not pay a per-swipe rate, and inventing one would misrank them.
How the maths works
›What does "left on the table" mean here?
It is the difference between putting all your spend on your single best card and routing each category to the best card you already hold. It is money you can recover without applying for anything new, just by switching which card you swipe.
›Why is a card I hold missing from the routing?
Milestone-earning cards do not pay a per-swipe rate, so they cannot be ranked by a spend profile. They are listed separately rather than given an invented rate, because inventing one would push them up or down the ranking dishonestly.
›How is the suggested next card chosen?
We add each card in your country to your wallet, recompute the routed total, subtract the card's annual fee, and keep the one with the largest gain. If nothing beats your current setup after its fee, we suggest nothing.
›Do caps affect the numbers?
Yes. Where the catalog holds a verified cap, the reward stops at the cap and the row says so. Where a cap exists but its meaning is not verified, we do not silently treat the card as uncapped in your favour.