Which card is best for me?

Each card's yearly rewards come from the same reward rules and caps the Saifu app uses, run on a sample month of spends of the size and kind you pick. The fee is the annual fee you would still pay after any spend waiver. Points are counted at their cash value. Joining fees, welcome gifts and milestone vouchers are not counted. Cards marked "rules not yet checked" have not yet been matched against the bank's latest terms, so check the bank page before you apply. Cards whose rewards depend on one brand, such as a fuel or railway card, and business and secured cards are not ranked here; find them in all cards.

The income check uses the lowest take-home pay in the range you pick against the bank's published minimum for salaried applicants. The bank makes the final decision.

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