CardHQ₹5,65,383 owed
Live demo. Every card, transaction and balance here is fake, generated by a seed script.
Spent in October₹55,783₹40,185 less than by 7 SepMonth-end estimate₹3,20,0551% below your 6-month average ₹3.2LReward rate, last 12 months4.72%₹79k earned on ₹17L · all time 4.50%Outstanding, all cards₹5,65,383₹1,52,345 billed · ₹4.1L not billed yetNext bill₹97,527Demo ICICI SapphiroDue Sat, 10 Oct, in 3 daysNot paid yetThen Demo SBI Cashback ₹55k on 25 Oct

Monthly spend

Average month ₹1,76,032 · September ₹5,03,431 (+186%) · 12 months ₹19L

Average month

Your cards

  • demo diners metal card art
    Demo Diners Metalending 4471
    ₹1,09,745
  • demo sbi cashback card art
    Demo SBI Cashbackending 3382
    ₹59,540
  • demo icici sapphiro card art
    Demo ICICI Sapphiroending 5544
    ₹1,27,376
  • demo icici amazonpay card art
    Demo ICICI Amazon Payending 9021
    ₹60,551
  • demo amex gold card art
    Demo Amex Goldending 2007
    ₹1,39,152
  • demo amex platinum card art
    Demo Amex Platinumending 1006
    ₹69,019

billed spent since the statementReward rate is coloured from red (low) to green (high).

Rate colours use hsl(156 76% 62%) for 8% and above.

October so far

₹55,783 by day 7 · ₹2,670 behind a typical month

OctoberSeptember Typical month

Where it went

September. Tick: average of the 6 months before

Total ₹5,03,431 · amber: above the tick, green: below

Reward rate by month

MonthRateBest cardEarnedSpend
Jun 262.31%demo_diners_metal3.2%₹1,576₹68,148
Jul 263.54%demo_diners_metal4.1%₹16,701₹4,71,408
Aug 265.04%demo_sbi_cashback8.7%₹24,737₹4,90,754
Sep 265.58%demo_sbi_cashback8.2%₹36,064₹6,46,214
Oct 26In progress3.40%demo_sbi_cashback4.0%₹10,559₹3,10,885
Nov 26Open cycles0.00%--₹0₹4,723
All time4.50%demo_sbi_cashback7.2%₹89,638₹19,92,131

A charge counts in the month its statement closes; click a month to see its charges.

Confirmed by issuerMostly estimatedAll time 4.50%

Reward rule changes

1 costs you · 0 pay you · 1 doesn't affect you

Net for you₹0 a year
-₹0 costs+₹0 gains

Affects you

Doesn't affect you (1)

Spend by day

₹0up to ₹12k₹12k-₹31k₹31k-₹48k₹48k+
OctNovDecJanFebMarAprMayJunJulAugSepOct
MonWedFri

Last 12 months: ₹19,92,131 over 114 days with spend · biggest day ₹72,306 on 23 Aug · click a day to open its month

4 of 10 data sources need attention

Data page

Gmail alert sweep: Run the daily Gmail alert sweep.

SMS forwarder: Check that the phone is forwarding bank SMS messages.

Rewards recompute: Run the rewards recompute script.

Devaluation watch: Review reward program changes and update the rewards book.

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