Compare credit cards.
Calculate annual net cashback.
Compare consumer credit cards after annual fees and SST.
Salary & monthly spending
More categories
Payment conditions
Yearly plan
100% repeats your monthly budget. Each month uses its own thresholds and caps.
Enrich Points calculator
Uses the same spending inputs and yearly plan.
Leave value at 0 to compare points without an RM estimate. Flight taxes, availability, FX costs and unused points are excluded.
Compare cards
0 selected
Add cards to compare using your inputs.
Each card uses your full budget. This is a comparison, not a spending allocation.
Best 2-card combo
Find the two cards, and the spending split between them, that earn the most after costs.
Assumes full repayment. Excludes interest, FX costs, reload charges, points and gifts.
Card settings
Split transaction counts between cards. Enter statement balances separately.
First card
Second card
Ready.
How we calculate
Tests eligible pairs and refines the strongest results. Same inputs give the same result. The search is approximate; a better split may exist. Monthly spending proportions repeat through your yearly plan. Both cards’ fees and SST are deducted. Equivalent variants and two AMEX products are not paired.