How Credwiser Scores Credit Cards: Fees, Rewards, Lounges & Forex

A credit card headline rarely tells the full story. Credwiser scores every card on what it costs and what it actually returns after conditions.

We check the annual fee with 18% GST, the spend needed to waive it, reward caps in the MITC, lounge access conditions, and forex markup with GST. A card with a high headline rate but a low cap can be worth less than a simple flat cashback card.

Use the Reward Calculator with your own monthly spends, compare up to 3 cards side by side, and read the MITC notes on each card page before you apply. Always verify the current MITC on the issuer website before submitting an application.