Free Tool

Annual Fee Breakeven Calculator

Is your credit card's annual fee worth it? Enter your spend and we'll do the math.

Select your card

Annual credit card spend

₹

Extra perk value you personally extract (hotels, dining discounts, etc.)— be honest

₹

HDFC Infinia

FEE WAIVED ✓

Rewards earned+₹33,300

Standard perks value+₹33,000

Your extra perk value+₹0

Annual fee-₹0

Net value per year

+₹66,300

✓ This card pays for itself — you gain ₹66,300/year.

This card is worth it ✓

Now check the actual ₹ value of your reward points to make sure you're redeeming optimally. Open the points calculator →

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