KaunsaCard Keeps a Ledger of Which Card to Use

Field notes

The calculator accepts a spend amount, merchant, and payment method, then compares the user's cards after accounting for reward caps, exclusions, fees, voucher routes, portal routes, and transfer values. The visible example covers BigBasket groceries and reports four ranked routes from a catalogue of 71 cards, including a SmartBuy voucher path that returns an estimated 700 points or ₹700 net on ₹5,000. A dated ledger tracks changes to forex offers, lounge access, transfer caps, and gift-card eligibility.