Card Analyser

Card Analyser remembers every reward rule, fee waiver threshold, and milestone benefit across all your credit cards — so you don't have to.

Just enter a purchase (merchant + amount), and Card Analyser instantly tells you which card in your wallet earns the most. No spreadsheets. No memorizing caps and exclusions. No guessing.

WHY CARD ANALYSER?

• AI-POWERED RECOMMENDATIONS — Our engine evaluates real reward rates, caps, exclusions, milestones, and fee waivers to pick the optimal card. Not just the highest headline cashback rate.

• PAYMENT MODE AWARE — Knows that your HDFC Swiggy card earns 10% on Swiggy but your Amazon Pay card gives 5% with no cap. Considers UPI, online, offline, and contactless payment modes.

• FEE WAIVER TRACKING — See exactly how close you are to waiving the annual fee on every card. Stop paying fees on cards you barely use.

• SPENDING INSIGHTS — Monthly breakdowns of where your money goes and which cards are pulling their weight.

• AI EXPLAINS IT — Every recommendation comes with a plain-English explanation of why that card wins, including caps applied and rewards calculated.

• PRIVATE BY DESIGN — We never store your full card number (only the last 4 digits, and that's optional). No ads, no selling your data.

HOW IT WORKS

1. Add your credit cards — name, bank, reward rates, and fees
2. Log a purchase — merchant name and amount
3. See which card wins — ranked by actual rewards earned
4. Track milestones and fee waivers over time

Built for Indian credit cardholders managing multiple cards across HDFC, SBI, ICICI, Axis, Amex, and more.