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
₹

Total & full report

₹50,000

Pick a card.

Free tools

More CardCheck tools

01

Card Recommendation Quiz

Answer 7 questions about your spending and preferences. Get matched with the best cards with a match percentage — takes under a minute.

Take the quiz
02

Rewards Calculator

Enter monthly spends by category — groceries, fuel, dining, online. See exactly how much each card earns you per year in real rupees.

Calculate earnings
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.

Check eligibility

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 exact rupee gap.

How it works

Four steps, under 60 seconds

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

Exact 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 exactly 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. The roast runs entirely in your browser. Your card selection and spend inputs are never sent to a server or stored anywhere. No login, no PAN, no bank account required.

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 exact reward points and cashback formulas from the official Most Important Terms and Conditions (MITC) documents provided by Indian banks to calculate your exact 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 exactly how much you are losing compared to the best alternative card.