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Sample outputs (demo wallet)

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Demo wallet usage: ShopMax has used ₹300 of its ₹1,000 Amazon cap · Foodie ₹420 of ₹1,500 · SkyMiles ₹62,000 this quarter / ₹3,10,000 this year · Voyager ₹20,000 this month · Starter ₹30 of its ₹500 overall cap. Default card: Nova Flat 2%. The same JSON is written to tests/engine_samples.json by the test suite.

₹8,000 Amazon

Use Meridian ShopMax Card: ₹400 back (5%)

You'd earn ₹240 more than with your default card (Nova Flat 2% Card).

Ranking by net_value_inr · Online Shopping · Amazon · ₹8,000

1. Purchase: ₹8,000 · Amazon → Online Shopping
2. Rate: 5% on Amazon (merchant rate · Partner platform).
3. 5% of ₹8,000 = ₹400.
4. Amazon 5% monthly cap (monthly, ₹1,000): ₹300 used so far, ₹700 left → ₹400 fits; ₹300 will remain.
5. Effective rate: 5%.
Assumptions: Partner platform rate applies to marketplace orders paid directly with the card
reward_inr 400reward_points —effective_rate 5%cap_hit falsemilestone_bonus 0net_value 400net+milestone 400forex_cost 0

₹3,500 Swiggy

Use Indus Foodie Card: ₹350 back (10%)

You'd earn ₹280 more than with your default card (Nova Flat 2% Card).

Ranking by net_value_inr · Food Delivery · Swiggy · ₹3,500

1. Purchase: ₹3,500 · Swiggy → Food Delivery
2. Rate: 10% on Food Delivery (category rate).
3. 10% of ₹3,500 = ₹350.
4. Food & dining 10% monthly cap (monthly, ₹1,500): ₹420 used so far, ₹1,080 left → ₹350 fits; ₹730 will remain.
5. Effective rate: 10%.
6. Next milestone: ₹7,300 more monthly spend reaches ₹15,000 → ₹250 voucher.
Assumptions: Max INR 500 cashback per transaction on accelerated categories
reward_inr 350reward_points —effective_rate 10%cap_hit falsemilestone_bonus 0net_value 350net+milestone 350forex_cost 0

₹1,20,000 flight

Use Meridian Infinite Voyager: 12,000 pts ≈ ₹12,000 (10%)

You'd earn ₹9,600 more than with your default card (Nova Flat 2% Card).

Ranking by net_value_inr · Travel (Flights) · ₹1,20,000

1. Purchase: ₹1,20,000 · Travel (Flights)
2. Rate: 10 pts per ₹100 on Travel (Flights) (category rate).
3. ₹1,20,000 → 1,200 blocks of ₹100 × 10 pts = 12,000 pts.
4. Travel points monthly cap (monthly, 25,000 pts): 0 pts used so far, 25,000 pts left → 12,000 pts fits; 13,000 pts will remain.
5. 12,000 pts × ₹1 per point = ₹12,000 (estimated value).
6. Effective rate: 10%.
7. Milestone: monthly spend goes from ₹20,000 to ₹1,40,000, crossing ₹1,00,000 → 2,000 pts (≈ ₹2,000) unlocked (counted separately).
8. Next milestone: ₹1,40,000 more yearly spend reaches ₹15,00,000 → 25,000 pts (≈ ₹25,000).
Close to a milestone: ₹1,40,000 more unlocks 25,000 pts (≈ ₹25,000).
Assumptions: 1 point assumed worth INR 1 via airmiles transfer partners
reward_inr 12000reward_points 12000effective_rate 10%cap_hit falsemilestone_bonus 2000net_value 12000net+milestone 14000forex_cost 0

$50 purchase abroad

Use Meridian Infinite Voyager: 210 pts ≈ ₹210 (4.91%)

You'd earn ₹301.06 more than with your default card (Nova Flat 2% Card).

Ranking by net_value_inr · International · international · ₹4,275

1. Purchase: 50 USD ≈ ₹4,275 · International · international
2. Rate: 5 pts per ₹100 on International (category rate).
3. ₹4,275 → 42 blocks of ₹100 × 5 pts = 210 pts.
4. 210 pts × ₹1 per point = ₹210 (estimated value).
5. Effective rate: 4.91%.
6. Next milestone: ₹75,725 more monthly spend reaches ₹1,00,000 → 2,000 pts (≈ ₹2,000).
7. Forex cost: 0% markup on ₹4,275 = ₹0 + 18% GST ₹0 = ₹0.
8. Net value: ₹210 reward − ₹0 forex cost = ₹210.
Assumptions: USD converted at an illustrative rate of INR 85.5 per USD (illustrative mid-2025 rates) · 1 point assumed worth INR 1 via airmiles transfer partners
reward_inr 210reward_points 210effective_rate 4.91%cap_hit falsemilestone_bonus 0net_value 210net+milestone 210forex_cost 0

Card data & reward engine

Try the engine

Sample outputs (demo wallet)

Card data & reward engine

Try the engine

Sample outputs (demo wallet)