four hard problems most credit-card optimization tools quietly get wrong. we don't.
every audit you run goes through these five stages. no human in the loop. no card on file. no money moved.
indian issuers change card rules ~1.5 times a month. the smartbuy 10x window, the atlas miles cap, the infinia annual fee — all moved in the past 18 months. most tools score against today's rules. we score against the rule in force the day you swiped.
when smartbuy 10x got capped at ₹15k on 01 jun, your may transactions kept their old (better) reward math. we keep the calendar straight. so what was true on jan 14 stays true for that swipe — forever.
one axis edge mile is not "₹0.40." it's ₹0.40–₹3.10, depending on what you redeem for. single-peg valuations lie. we show the range and the path that reaches the upper end of it.
the right card for one user is the wrong card for another. your three-card portfolio + your spending pattern + your existing miles pool → the optimal redemption path is specific to you, not to the comparison site's SEO target.
free first audit. opens 2026.