Card roast

Your card vs best earner for your spends — share-ready.

Choose your card

Spend preset

Tap to fill spends

Monthly spends (₹)

Online Shopping
₹
Dining & Food
₹
Fuel
₹
Groceries
₹
Travel
₹
Bills & Utilities
₹
Other
₹

Whole-rupee monthly amounts up to ₹10 Lakh per category. Decimals are rounded automatically.

Total & full report

₹50,000

Pick a card.

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02

Rewards Calculator

Enter monthly spends by category — groceries, fuel, dining, online. See estimated annual earnings and cashback for each card in real rupees.

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03

Eligibility Checker

Enter your income, age, employment and credit score. See which cards you're likely to get before you apply — no hard inquiry.

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About this tool

Is My Credit Card Worth It? Free Optimizer & Analyzer Tool

CardCheck's free credit card roast tool helps you identify whether your current credit card is actually delivering value or silently costing you money. Use our credit card optimizer and value analyzer to compare your card against 150+ alternatives for your specific monthly spend pattern. If you're wondering "should I cancel my credit card?" or "am I paying too much?", we calculate your estimated annual earnings and show you the estimated rupee gap.

Card comparison formulas verified: September 2026 • 150+ cards active

How it works

Four steps, under 60 seconds

Card Roast Analyzer at a Glance

Core Metric

Annual Rupee Opportunity Gap

Compares your card vs highest earner

Coverage

150+ Indian Credit Cards

HDFC, SBI, ICICI, Axis, Amex & more

Privacy & Safety

Client-Side Calculation

No account or database storage; share links encode inputs

1

Pick your card

Search from 150+ Indian credit cards

2

Enter monthly spends

Fuel, dining, online, travel and more

3

Get your roast

Your card graded vs the best alternative

4

See the ₹ gap

Estimated annual value you could be earning

FAQ

Frequently asked questions

What is a credit card roast?

An honest, data-driven comparison of your card vs the best alternative for your spending pattern. CardCheck analyses your monthly spends across fuel, dining, online and travel, then shows estimates of how much you're earning vs how much you could earn — in real rupees.

How does CardCheck compare my card to alternatives?

It calculates estimated annual rewards on your card based on earn rate, reward caps and category exclusions (aligned to MITC data), then runs the same inputs through 150+ Indian credit cards to surface the top earner. The gap is your opportunity cost.

Is my card or spending data stored?

No database storage or personal profiles. Calculations run client-side in your browser without requiring any login, PAN, or banking credentials. If you choose to generate or open a share link, your selected card and spend amounts are encoded directly into the URL parameters, meaning anyone with that link or web services processing the URL will receive those specific inputs.

Can I roast any Indian credit card?

Yes — 150+ cards from HDFC Bank, SBI Card, ICICI Bank, Axis Bank, American Express, Kotak Mahindra Bank, IDFC FIRST Bank, IndusInd Bank, RBL Bank, YES Bank, AU Small Finance Bank and more.

What does the roast score mean?

It reflects how well your card performs relative to the best available option for your spend mix. 90%+ means near-optimal. Below 60% means you're likely leaving ₹5,000–₹20,000 per year on the table.

Is the credit card roast tool accurate?

Yes. We use the reward points and cashback formulas from official Most Important Terms and Conditions (MITC) documents provided by Indian banks to calculate your estimated annual earnings.

Will roasting my credit card help me save money?

Absolutely. Many users discover they are paying high annual fees for cards that don't match their spending habits. The roast tool shows you the estimated rupee gap compared to the best alternative card.