Credit Card Rewards, Milestone and Fee Waiver Tracker for Indian Cards

How to use it

1. Find your cards on Card Library, or fill a Custom card row from your card's terms.
2. Add them on My Cards with statement day, due day, card start date and your value per point.
3. Log spends with date, card, merchant, category and amount.
4. Each statement, check Milestones, Fee Waiver, Due Dates and Dashboard. Use the calculators before you redeem or make a large purchase.

Requirements

• Microsoft Excel 2010 or later. Built and recalculated in Microsoft Excel (Office 16).
• Google Sheets: upload the file and open it with Google Sheets. It uses only functions both apps support, with no macros, scripts or external links; the guide lists what to check.

Good to know

• This is a template for general information, not legal, tax or financial advice. Laws and rates change. Check the current rules, or consult a qualified professional (an advocate, chartered accountant or company secretary), before relying on it.
• Card terms change often. Every library row shows the date it was checked (17 September 2026) and its issuer source, and the issuer's current terms always apply. Figures not published on the issuer's pages are left blank, never estimated; 19 rows are marked "Check with issuer" where official pages disagree or a rule is unclear.
• The tracker compares only cards you hold and does not recommend any card, redemption or spending choice. Values for partner miles and points are your own inputs.
• Points shown are estimates from published rules and your entries; your statement is the record. Some rules (minimum transaction sizes, brand-wise limits, threshold bonuses) are described in text but not calculated.
• No connection to any bank, card network or app; your data stays in your file. Keep it private.
• Handles 10 cards and 3,000 spends per file.
• Every formula was recalculated in Microsoft Excel with no errors and checked against an independent Python calculation on 48 hand-computed cases, the full sample and a filled capacity copy. Names, holders and figures in the sample are fictional.
• Not affiliated with any bank, card issuer or card network. Card and issuer names are used only to identify public terms.