In development for India
Know which card to use.
Know why.
Reward values for the credit cards you already hold, with the source behind every number.
The cards shown are fictional samples. Cardeify is not a bank and does not issue cards.
THE PROBLEM
Card advice in India is mostly marketing.
Rates without sources. Offers stacked without proof. And card terms change quietly, so last year's advice can be wrong today.
CREDIT CARD ADVICE
INDIA · RECEIPT 0001
- 01Rates shown without sources✕
- 02Offers stacked without proof✕
- 03“Best card” lists tuned to referral fees✕
- 04Terms that change quietly✕
- 05Tier names that say nothing about rewards✕
TOTALGUESSWORK
VOIDCardeify: every number has a source.
01 · YOUR WALLET
Platinum. Titanium. Gold. None says what it pays.
Banks name cards by tier, not by what they do. Cardeify keeps the real terms of every card you hold, so the right one is ready when you pay.
Which one pays most, right now?
02 · USE NOW
Every card you hold, raced for one buy.
Say what you are buying. Cardeify works out what each card gives back and puts the best of your cards on top.
LAPTOP · ELECTRONICS₹45,000
ISSUER TERMS · SAMPLE
Bank A Platinum card terms
Checked on 1 Oct 2026 · bank page ↗
“5% back on online electronics, up to ₹2,500 per statement cycle.”
₹45,000 × 5% = ₹2,250
Estimated: assumes this cycle's cap is not reached yet.
SAME INPUTS · SAME ANSWERThe same purchase always gets the same answer.
Bank C Gold3% on electronics
Bank A Platinum5% online electronics
Bank D SilverNo published rate
Bank E Classic2% flat
03 · CAPS & MILESTONES
A cap fills. Switch cards.
Set your statement date once. Cardeify tracks fuel waivers, cashback caps and fee-waiver milestones across the cycle, and tells you when one is full or a waiver is within reach.
PAYING FOR FUEL WITH
Bank A PlatinumBank B Titanium
Waiver still openBank A Platinum's waiver is full
Pick the card you want one day.
Bank C Goldthe travel card everyone wants
✈ Lounge access
3% back on travel
Fee waived at ₹2L a year
Needs income proof + credit history
04 · FIRST CARD
Three answers. See what fits.
Students and first-time applicants answer three plain questions. Cards that do not fit drop away, with the reason. Free, always.
05 · DREAM CARD
Start simple. Aim high.
Pick the card you want one day. Cardeify lays out the road: what you already meet, the gaps left, and the stepping-stone card to start with.
No approval odds. No timelines. Issuers decide.
DONE18+ with PAN and KYC
NOWBank F Rewards · build your credit history
GAP12 months of on-time bills
GAPIncome proof for Bank C Gold
DREAMBank C Gold
HOW IT WORKS
Three steps. No guesswork.
Pick the cards you hold. No bank login needed.
Groceries, Swiggy, fuel, a flight — anything.
The best of your cards for that spend, the reward in rupees, and the source behind it. Same inputs, same answer, every time.
IN DEVELOPMENT
Ask in plain wordsAn assistant that answers questions about your own cards in plain language. Coming after the first beta.
FAQ
Straight answers.
When can I use Cardeify?
It is in development for India, on Android and iOS. There is no fixed date for the beta yet. Join the waitlist and we will email you when it opens. Beta invites are free. You must be 18 or older.
Is Cardeify financial advice?
No. Cardeify gives information about the cards you hold. It is not a bank and does not issue cards. It does not promise rewards or card approval; your bank decides. Always check the terms with your bank.
Where do the numbers come from?
You tell Cardeify what you are buying, or scan the shop’s QR code, and it applies each card’s official terms, checked by our team, to that purchase. If something we cannot know changes the answer, like how much of a monthly cashback limit you have already used, the result says so: “Use Card A. If your fuel limit is used up this month, use Card B.” Every value will be labelled Confirmed, Estimated (with the assumption shown) or Unknown, and you will be able to see the bank’s exact words.
How will it help me at the counter?
At a UPI QR code, scan it in Cardeify and enter the amount. Cardeify will pick your best RuPay credit card on UPI for that shop, counting the monthly limits you have already used, and then open your UPI app, where you choose that card and pay. Cardeify never moves your money. For tap or swipe, the card to use for fuel, groceries, dining and more will be ready on the app home screen and a widget, so there is nothing to work out at the counter.
Do you need my bank login or SMS?
No. You add your cards yourself, and Cardeify will never ask for bank logins or read your SMS. Payments you make by scanning a QR in Cardeify will be logged once you confirm them. After a tap or swipe, you log the amount in one tap, or type the “used so far” figure from your bank app. We also plan an optional statement PDF upload for supported banks; no AI will read it, and the password is never stored.
Does AI decide which card to use?
No. Results will come from fixed rules over card terms our team has checked, so the same purchase always gets the same answer. AI will only explain a result in plain words. It never calculates or ranks.
Is Cardeify free?
The beta is free. The first-card guide for students will always be free. Pricing for the rest is decided after the beta; the waitlist asks what you would pay.
- 01Email
- 02About you
- 03Ticket