Credit Card Minimum Spend Calculator (spending left to unlock card benefits)

How it works

Still to spend = required spending − what already counts toward it (never below 0). The effective discount = (monthly benefit × 12 − annual fee) ÷ (required spending × 12): the real discount on the spending you must do to keep the benefit. If you would buy the remaining amount anyway, the benefit is a bonus; if you buy things only to reach the threshold, you spend “still to spend” to receive the benefit, and the last row shows the net loss. Check which payments count toward the threshold (many cards exclude taxes, utilities or instalments).

⚠ Estimates for information only — not financial advice.

FAQ

Should I buy something just to reach the threshold?

Only if you needed it this month or next. Spending 80,000 won you did not plan to spend to receive a 10,000 won discount is a 70,000 won loss.

What is a good effective discount?

Compare it with a simple card without conditions. If a no-threshold card gives about the same percentage, the conditional card is not worth the effort.

Checked 11 Nov 2026. Card-benefit arithmetic. Thresholds, caps and excluded payments differ by card — use the figures in your card’s product terms.