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New Guide

How to Calculate Your
Rent Rewards

5 min read
Calculators

Understanding how to calculate rent rewards can help you maximize your earnings on the largest monthly expense. This guide shows you exactly how to calculate potential rewards and choose the best rent rewards.

Rent Rewards Calculator

Quick formula to calculate your potential earnings

Basic Calculation Formula

Annual Rent Rewards = (Monthly Rent × 12) × (Reward Rate % / 100) - Annual Fees
Example: (₹25,000 × 12) × (2% / 100) - ₹0 = ₹6,000

Interactive Calculator

Annual Rewards: ₹6,000

Based on Brixo rent rewards

Brixo Rent Rewards

Best Choice

+₹6,000/year

On ₹25,000 monthly rent

Traditional Cards

Expensive

-₹9,000/year

3% fees, no rewards

Cash/UPI

Neutral

₹0/year

No fees, no rewards

Step-by-Step Calculation

Follow these simple steps to calculate your rent rewards

1

Calculate Annual Rent

Multiply your monthly rent by 12 to get your annual rent expense.

Annual Rent = Monthly Rent × 12
Example: ₹25,000 × 12 = ₹3,00,000
2

Apply Reward Rate

Multiply annual rent by the reward rate percentage of your credit card.

Gross Rewards = Annual Rent × (Reward Rate / 100)
Example: ₹3,00,000 × (2 / 100) = ₹6,000
3

Subtract Fees

Deduct annual fees and transaction fees to get net rewards.

Net Rewards = Gross Rewards - Annual Fee - Transaction Fees
Example: ₹6,000 - ₹0 - ₹0 = ₹6,000

Rent Rewards Comparison

Real numbers to help you make the best choice

Payment MethodMonthly RentAnnual RewardsAnnual FeesNet Benefit
Brixo Rent Rewards
Recommended
₹25,000₹6,000₹0
+₹6,000
HDFC Millennia
High fees
₹25,000₹0₹9,000
-₹9,000
Cash/UPI Payment
Traditional
₹25,000₹0₹0
₹0

Advanced Calculation: Household Expenses

Maximize rewards across all your household expenses

Total Monthly Expenses

Rent₹25,000
Utilities₹3,000
Groceries₹8,000
Internet/Phone₹2,000
Total₹38,000

Annual Rewards Breakdown

Rent Rewards (2.5%)₹6,000
Household Rewards (1.5%)₹2,340
Total Annual Rewards₹8,340

💡 Pro Tip: Based on Brixo's household expenses rewards program

Maximizing Your Rent Rewards

Expert tips and common mistakes to avoid

Pro Tips

Choose the right card

Look for cards with specific rent rewards and no transaction fees

Calculate total cost

Include all fees in your calculations for accurate comparison

Time your payments

Pay on time to avoid interest charges that can offset rewards

Track spending

Monitor reward accumulation monthly to maximize earnings

Common Mistakes

Ignoring fees

Not factoring in transaction costs can make rewards meaningless

Wrong card choice

Using cards without rent rewards or high transaction fees

Missing payments

Losing rewards due to late fees and interest charges

Not redeeming

Letting rewards expire unused or forgetting to redeem

Start Earning Rewards on
Your Rent Today

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