how many rupees do you actually get back per ₹100 you spend? not "10X reward points" — rupees. the question almost nobody asks out loud, and almost nobody answers honestly.
the average affluent indian leaves ₹14,000–30,000 a year on the table. quietly. mostly through swiping the wrong card at the wrong moment. nobody tells them. their card issuer doesn't. the apps that aggregate their cards don't. their financial planners — if they have one — don't either.
the leak is invisible by design
indian credit-card rewards are deliberately complex. eighteen percent of all major rules across hdfc, axis, icici, sbi, amex, hsbc — what we call the big six — change every quarter. the points table on the website rarely reflects what's actually live. smartbuy 10x today, capped at ₹15k tomorrow. the math you optimized last march is not the math that scores your april statement.
worse: the rule that matters is the one in force the day you swiped, not the day you look at it. most aggregators score against today's rules and miss the value you actually accrued. they're getting the math wrong in the user's favour — which is a kinder version of the same lie.
why cashback theatre fails
cred sells you premium cards. cheq aggregates rewards. savesage rounds up. each of them is a real product solving a real adjacent problem. none of them re-score your actual transactions against the rules that were live the day you made them.
the gap is structural. these companies don't make money by telling you when your cards leak — they make money by keeping you swiping. we make money the opposite way: by showing you the leak, helping you close it, and getting paid only when we save you more than we charge.
verified math beats cashback theatre. every single time.
what verified math means
four ideas, written into our engine:
- sourced rules. every reward rule we score against has a public source — an issuer T&C page, a rate-table PDF, a press release. you can tap any rule and see the original document.
- temporal correctness. we score your jan 14 transaction against the rule that was in force on jan 14 — not the version live today. rule drift cuts both ways; we get the direction right.
- honest-range valuation. miles aren't worth one peg. they're worth a range, depending on what you redeem for. we show the range, and we show the path to the upper end. no single-peg lies.
- portfolio-aware redemption. the best path for your three cards and your spending pattern — not the path that ranks well on a comparison site.
what we won't do
this is a list because it's a contract. these aren't aspirations — they're operating constraints, and they're in our terms.
- we will never sell your transaction data. to anyone. ever.
- we will never gamify your money. no streaks. no badges. no daily nudges. the cc geek does not need to be motivated by us.
- we will never recommend a card without disclosing whether we get paid if you apply. the disclosure sits at the recommendation, not in a footer.
- we will never make cancellation harder than upgrading. same number of clicks. no retention queue.
- we will never raise prices on grandfathered users. if you joined the waitlist before launch and convert to paid, that price stays — forever.
- we will never write a marketing claim we can't source. every number on this website has a citation, available on request.
if you nodded along
the waitlist is below. one email. no marketing. when we launch in 2026, you'll be in the first cohort. if any of this changes, we'll update this page first — before anything else.