Bank offer calculator
A bank offer that says ‘10% off, up to ₹1000’ stops saving you money once you reach the cap. Enter the eligible subtotal after store discounts, the bank’s rate and its limits to see the saving and final cost.
Estimated total after bank discount₹11,099.00
Bank discount₹1,000.00
Effective discount before fees8.33%
Extra fees₹99.00
Your subtotal meets the entered minimum. The bank still decides card, payment and product eligibility.
How it works
- The saving is the smaller of the eligible subtotal × discount rate and the stated cap.
- Below the minimum spend, no discount is applied. Extra fees are added after the discount.
- For a ₹12000 subtotal, 10% off capped at ₹1000 saves ₹1000. Add a ₹99 fee and the estimated total is ₹11099.
- Check eligible cards, payment methods, products and offer dates with the bank. This tool checks arithmetic; it does not approve a bank offer.
Calculations run in your browser using the numbers you enter. Nothing is saved or sent anywhere.
Questions
Why is the actual discount below the advertised percentage?
A maximum discount can lower the effective percentage. A 10% offer capped at ₹1000 gives the full percentage only up to ₹10000 of eligible spending.
Do all products count toward minimum spend?
Use the eligible amount specified in the offer. Excluded products, gift cards, fees or tax may not count. Bank and retailer terms determine eligibility.