Question 1

Which credit card earns maximum cashback on health and life insurance premiums?

Accepted Answer

For insurance premium payments, cards like SBI Cashback (when paid online), HDFC Infinia (via SmartBuy or direct rewards subject to capping), and Axis Atlas yield maximum reward points. Check individual card capping terms for insurance MCCs.

Question 2

How does the Spend Planner calculate net reward value?

Accepted Answer

The engine factors in joining/annual fees, spend category caps, brand fine-tuning (e.g. Amazon vs generic shopping), milestone bonus thresholds, and point transfer values (like Marriott Bonvoy or Accor ALL) to calculate true net monetary yield in Rupees.

Question 3

Can I optimize rewards across multiple bank credit cards?

Accepted Answer

Yes. The Spend Planner evaluates your total spending split across categories to recommend an optimal card portfolio (e.g., Kotak Myntra for Myntra, Amazon Pay ICICI for Amazon, and SBI Cashback for general online spends).

Which Credit Card Earns You the Most?

🛍️ Shopping

🛵 Food & Groceries

✈️ Travel & Entertainment

💡 Utilities, Fuel & Spends