Know which card to pay with, before you pay
How the search works
- Type the shop or the category, and the amount.
- We check it against the offers we have read from published terms.
- You get the card to use, the rupees, and the page the figure came from.
live card offers, each one read from the bank’s, shop’s or card network’s own page. As of
Which of your own cards saves you the most on your next payment?
Every answer is tailored to the cards and payment apps you actually hold.
01Save your cards on asktula.com
Once, by name. We never ask for the number.
02Ask before you pay
On WhatsApp, or here once you are signed in.
03Get the number and the source
The card, the rupees, the cap and the terms.
Ask on WhatsApp, or here once you are signed in. Nothing to install.
Ask on WhatsApp How it works, in full →Or find it another way
Offers by shop
What each of your cards pays at a specific shop, from Amazon to Zepto.
See all shops →Offers by category
The best card across a whole category, and the rule that catches people out in it.
See all categories →Offers from the card network
Some offers apply because of the logo on your card, not the bank that issued it. Check which network your card is on first.
See network offers →How credit cards actually work
Caps, points, expiry, exclusions. The mechanics nobody explains properly.
All guides →The number on the banner is almost never the number you get
A cap decides what you actually earn, and only 32% of the offers we track publish one at all. Where a cap is published, the median is ₹500, so a five percent offer often stops paying after ₹10,000 of spending. A minimum order applies to 34.4% of offers. And on 25 Oct 2026, 2.9% of the offers we tracked were due to end within seven days, which is why the article you read last month is often wrong today.
That is the whole reason this site exists. Not to find you a discount. To tell you what you will actually get, in rupees, before you pay.
₹1,000 never reaches you, because the cap stops the offer at ₹4,000 a quarter.
Every figure here carries the day we read it
We do not rank cards by who pays us, and no bank pays us anything. Every number on this site was read from the bank’s, the shop’s or the card network’s own published terms, and every one shows the date we read it and links to the page it came from.
Where the terms are unclear, we say so rather than guess on your behalf. Where an issuer has not published what a reward point is worth, we do not invent a rupee figure for it. And when we get something wrong, we publish the correction.
How we source and date every figure →- Offer
- 5% back at Flipkart
- Cap
- ₹4,000 per quarter
- Ends
- No end date published
- Source
- axis.bank.in
Ask before you pay, not after
One message. The card, the amount, and the line in the terms that proves it.
Ask on WhatsApp