Bonus Harvester

Calculate if you can hit the welcome bonus, if it's profitable after taxes, and exactly when to close the card to avoid renewal fees.

＋Equis / Churning Logistics

FORM BH · REV. 01 · MMXXVI

Target Card

Select a card to auto-fill bonus conditionsexpand_more

Monthly Spend (₹)

Your capacity

₹

Bonus Value (₹)

Welcome reward value

₹

Target Spend (₹)

To unlock bonus

₹

Time Limit

Days to hit target

days

Joining Fee (₹)

Excluding GST

₹

Cooling Period

Wait before re-applying

months

POOR CHURN

Welcome Value₹5,000

Total Fee (incl. 18% GST)-₹3,540

Net Year-1 Yield+₹1,460

cancel

Target Viability: You project to spend ₹90,000 in 90 days, which is NOT enough to hit the ₹1,00,000 target.

event

Closure Horizon: Close card precisely at Month 11 from issuance to secure the net yield and block Year-2 renewal fees.

history

Re-eligibility: You can re-apply for this card's bonus 6 months after the closure date.