versum audit complete
◐ VALUE LEFT BEHIND · 18M
₹14,247
TXNS
412
SWIPES
8
GAP/₹100
₹0.74
the typical affluent indian's credit cards leak
₹0
₹0.74 per ₹100 spent · 18 months · 8 swipes explain 73%
— verified math behind your money —
how many rupees do you actually get back per ₹100 you spend?
your premium credit cards quietly returned ₹14,000–30,000 less than they should have last year. we re-score every swipe against the rules in force the day you made it.
read-only gmail. revoke any time.
versum
audit · live
0.94 conf
◐ value left behind · 18 months
₹14,247
₹0.74 per ₹100 spent · 412 transactions scored
SWIPES THAT MATTER
8
explain 73%
RULES SCORED
412
across 12 changes
PROJECTED RECOVERY
+₹4.8k
per year
§ 02 · what you'll actually see
six frames. one truth.
scroll horizontally → each frame is a real moment from a verosum audit. no charts that ask you to interpret them.
drag · scroll · swipe →
◐ INFINIA · 8 SWIPES · 73% OF LEAK
- Amazon · electronics14 JAN · INFINIA · ₹48,200smartbuy 10x window was open−₹3,210
- Marriott direct22 FEB · ATLAS · ₹62,800bonvoy 1:2 transfer missed−₹1,140
- Air India29 MAR · INFINIA · ₹84,000atlas 5x intl beats infinia base−₹520
- + 5 more · ranked
◐ FOUR CARDS · 412 TXNS · 18M
Axis Atlas verified
+₹4,820
HDFC Infinia
−₹6,140
Amex Platinum Travel
−₹3,290
HSBC TravelOne
−₹4,817
◐
VEROSUM · NOW
Wrong card just now.
HDFC Infinia at Amazon · ₹8,400. SmartBuy 10X window is open — that's ₹680 you can still claim by re-charging on the right card.
HOW TO FIX → +90s after swipe
★
VEROSUM · 22 DAYS LEFT
15,000 Atlas miles expire soon.
Best path: transfer to Marriott Bonvoy (1:2). Honest range ₹38k–₹46k. Sample: 12-night Goa stay, peak season.
SEE THE PATH → expires 03 jun
◐ TOP MOVE · 12M
+₹4,800
▸ RE-ROUTE
Amazon spending → Infinia × SmartBuy 10x
12 days / month · window open
§ 03 · how it works
three steps. no card on file.
we connect to your gmail in read-only mode, parse only statement emails from issuer domains, and show you the exact swipes that cost you the most. about 78 seconds end-to-end.
we read your statements, never your personal mail.
gmail oauth · read-only access. we only parse messages from issuer domains (hdfcbank.com, axisbank.com, etc.). revoke any time. data deleted in 30 days on cancellation.
~78 SECONDS · ONE-TIME
we score every swipe against the rules in force the day you made it.
indian issuers change card rules ~1.5 times a month. we track every change and score retroactively — so what was true on jan 14 stays true for that transaction.
412 TXNS · 12 RULE-CHANGES · CONFIDENCE 0.94
we show the 8 swipes that explain 73% of your leak.
not 412 small losses you can't fix — eight specific moments with a specific fix. re-route, recover, repeat. no streaks, no daily nudges, no dark patterns.
RANKED BY ₹ LOST · ACTIONABLE
§ 04 · our six-point contract
these aren't marketing claims.
they're written into our terms. if we ever ship something that violates these, we update this page first — never after.
01
free v1 audit · forever
your first audit is free. always. if we charge later, it's for the live optimization layer — never for telling you what we already know.
02
grandfathered pricing
if we raise prices, your price stays. always. written into our terms — not into a marketing page.
03
affiliate disclosure · in place
every card we recommend shows whether we get paid if you apply — at the recommendation itself, not buried in a footer.
04
sourced rules · linked
every rule we score against has a public source. tap any rule to see the date, the link, and the original wording.
05
a human answers
reply to any email and a human responds. we're small. that's deliberate.
06
cancel = upgrade
cancellation takes one tap. same clicks as upgrading. no dark patterns. no retention queue. no survey wall.
§ 05 · the real questions
four of the most asked.
full faq lives at /faq. or email hi@verosum.com — a human reads everything.
- cred sells you premium cards. cheq aggregates rewards. savesage rounds up. none of them re-score your actual transactions against issuer rules to tell you which swipes were wrong. that's our entire product.
- gmail is where the statements live. we read only emails from issuer domains (
hdfcbank.com,axisbank.com, etc.) — never your personal mail. read-only access. revoke any time. - we store the parsed transactions (encrypted at rest, india-region) and your audit results. we never store credentials. we never share with third parties. on cancellation, all data is deleted in 30 days.
- free for your first audit, forever. paid only if you opt into the live optimization layer. early users get grandfathered rates — that's promise #02.
— still here? you're our kind of person —
find out what your cards owe you.
free first audit. opens 2026. one email is all we need.