Bonus Harvester

Maximize credit card rewards through strategic churning. Analyze card combinations, welcome bonuses, and spend patterns to extract maximum value.

＋Equis / Churning Logistics
Target Card
Select a card to auto-fill bonus conditionsexpand_more
Monthly Spend (₹)
Bonus Value (₹)
Target Spend (₹)
Time Limit
Joining Fee (₹)
Cooling Period
POOR CHURN

Harvest Audit

Welcome Value₹5,000
Total Fee (incl. 18% GST)-₹3,540
Net Year-1 Yield+₹1,460
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Target Viability: Aap 90 din mein lagbhag ₹90,000 kharch karenge, jo ₹1,00,000 ka target poora karne ke liye kaafi NAHI hai.
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Closure Horizon: Apne net fayde ko bachane aur second year ki renewal fee block karne ke liye card issue hone ke 11th month par band karwa dein.
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Re-eligibility: Aap card close karne ke 6 mahine baad is bonus ke liye wapas apply kar sakte hain.

The Churning Matrix: Rotating Assets for Yield

Credit card churning is not about hoarding cards; it's a calculated rotation of assets to harvest high-yield welcome bonuses. By mathematically projecting your spend capacity against joining fees and bonus thresholds, you ensure every card application results in a net positive yield.

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    1. Strategic AcquisitionCalculate the "Net Year-1 Yield" (Welcome Bonus Value minus Joining Fee + GST). Only apply if you can easily meet the required spend threshold within your organic monthly budget.
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    2. Welcome Benefit LiquidationDo not hoard the bonus points. Devaluation risks are high. Liquidate the welcome bonus into statement credit, airmiles, or high-value vouchers immediately upon receipt.
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    3. The 11th-Month ReviewSet a reminder for the 11th month. If the second year's renewal fee is not justified by organic spends, downgrade to a Lifetime Free (LTF) variant or close the card to block the fee.

Frequently Asked Questions

What is credit card churning?expand_more
Credit card churning is the practice of applying for credit cards primarily to earn high-value welcome bonuses, and then strategically closing or downgrading them before the second year's annual fee hits.
Does opening and closing credit cards hurt my CIBIL score?expand_more
Opening new cards causes a temporary minor dip due to hard inquiries. Closing cards can reduce your total credit limit (increasing your utilization ratio) and lower your average age of accounts. However, disciplined churners maintain excellent scores by spacing out applications and keeping old, no-fee cards open.
What is the difference between upgrading and applying for a new card?expand_more
Upgrading an existing card usually means you keep your old account history but you might not get the welcome bonus. Applying for a new card gets you the welcome bonus but adds a hard inquiry to your credit report.

Frequently Asked Questions

Credit card churning kya hota hai India mein?expand_more
Credit card churning ka matlab hai: naye credit card ke liye apply karo, welcome bonus earn karo (cashback, reward points, lounge access), phir fee waive karwao ya close karo, aur doosra card le lo. India mein ₹10,000 se ₹50,000+ annual welcome bonuses earn karna possible hai — lekin CIBIL score aur timing ka dhyan rakhna padta hai.
Is credit card churning legal in India?expand_more
Haan, bilkul legal hai. Banks khud welcome bonuses offer karte hain as a customer acquisition cost. Aap sirf wahi le rahe hain jo bank publicly offer kar raha hai. However, kuch banks 'Churning Detection' algorithms use karte hain aur repeat churners ko blacklist kar sakte hain. Strategy smart honi chahiye.
Credit card churning se CIBIL score kitna girega?expand_more
Har new card application = 1 hard inquiry = 2-5 points drop. Multiple applications in 6 months = score tezi se girta hai. Safe strategy: Maximum 2-3 new cards per year, aur har application ke beech 3-4 mahine ka gap rakho. Existing cards close mat karo jaldi — average credit age kam hogi.
Best cards for churning in India 2026?expand_more
High-value churning targets (2026): HDFC Regalia (₹1,000 joining fee, ₹2,500 worth benefits), SBI Cashback Card (₹999 fee, ₹2,000 cashback), Axis Atlas (₹5,000 fee but ₹15,000+ welcome miles), AMEX Platinum Travel (₹3,500 fee, ₹10,000 Flipkart vouchers). ROI calculation is key — use our calculator above.
Annual fee waive karwana possible hai?expand_more
Haan, almost every bank annual fee waive karta hai agar aap minimum spend threshold pura karo. SBI: ₹1 Lakh annual spend. HDFC Regalia: ₹1.5 Lakh. Axis: ₹2 Lakh. Agar spend nahi karna, toh card close karne se pehle customer care se 'retention offer' maango — typically 3-6 months fee waiver ya bonus points milte hain.
Multiple credit cards rakhe toh kya nuksaan hai?expand_more
Risks: 1. High Credit Utilization agar sabpe spend karo — CIBIL girta hai. 2. Annual fees agar track nahi kiya. 3. Missed payments on multiple cards = multiple CIBIL hits. 4. Banks can close inactive cards reducing your total credit limit. Strategy: 2-3 active cards, baaki close before renewal.
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