Which Credit Card Should I Use? — Wallet Optimizer
Most credit-card sites help you find a new card. The Wallet Optimizer does the opposite: it tells you which card already in your wallet to swipe for the purchase in front of you. Add the 2–4 cards you own, choose where you're spending — a merchant like Amazon, Flipkart, Swiggy, Zomato, Myntra, MakeMyTrip, IRCTC, BigBasket, Uber or BookMyShow, or a broad category like Fuel, Groceries, Dining, Online Shopping, Travel, Utilities or Rent — and the tool instantly ranks your cards by the exact rupee value each one earns on that transaction. It answers the everyday question people actually Google: "which credit card to use for Amazon", "best card for Swiggy payment", or "which of my cards for IRCTC" — in one tap, with the maths done for you including reward caps and points-to-rupee conversion. It's free, needs no login, and keeps your card list only in your own browser.
How It Works
- Add the credit cards you already own (search by card or bank name).
- Pick a merchant or a spend category, and optionally the purchase amount — caps matter on big-ticket buys.
- See the winning card front and centre with the ₹ you'll earn, your other cards ranked below, and an alert if a card you don't own would do meaningfully better.
Frequently Asked Questions
Which credit card should I use for Amazon?
It depends on the cards in your wallet. Add your cards to the Wallet Optimizer, pick Amazon, and it shows which of your cards earns the most — for many users an Amazon Pay ICICI or a Flipkart Axis-style co-brand beats a generic card on that spend.
Which card is best for Swiggy or Zomato payments?
Dining and food-delivery accelerators vary by card. Enter your cards and select Swiggy or Zomato; the tool ranks your own cards by the ₹ value each earns on that transaction, accounting for reward caps.
Does this tool tell me which of my cards to swipe?
Yes. Unlike a "find a new card" tool, the Wallet Optimizer works with the cards you already own and tells you which one to use for a specific purchase to maximise cashback or reward points.
Is the Wallet Optimizer free?
Completely free. No login, no signup, and no personal or financial details are required — your card selection is stored only in your own browser.
How are reward values calculated?
For each card we resolve the best applicable rate (exact merchant offer, then category bonus, then base rate), normalise points and miles to rupees, and apply monthly reward caps and spend ceilings, so the ₹ figure reflects real earn.
Are the reward rates guaranteed?
Rates are indicative and can change. Always confirm the current rate on the bank's latest MITC (Most Important Terms & Conditions) before relying on it for a large purchase.