Rivo: Credit Card Manager & AI
Everyone
info
500+
Downloads
About this app
Never use the wrong credit card again.
Rivo is an AI credit card manager and expense tracker for Indian
cardholders β it tells you which card to use before you pay, and
catches the rewards, fees and points you're quietly losing.
π² SCAN & SAVE β THE RIGHT CARD, EVERY TIME
Point Rivo at any payment and it instantly recommends the best
credit card for that transaction. Groceries, fuel, food delivery,
flights, hotels, bills β Rivo knows which card earns you the most
cashback, reward points or miles at that merchant, and shows you
exactly what you'd earn back.
π³ EVERY CREDIT CARD IN ONE PLACE
A complete credit card manager and bill tracker. Rivo reads your
bank SMS to track spends, credit card bills, statement cycles and
due dates across all your cards β no manual entry.
β’ Due-date and credit card bill reminders before you're charged
β’ Reward points balance, earn rate and expiry across every card
β’ Spend milestones β how close you are to a fee waiver, bonus
points or lounge access
β’ Annual fee and renewal alerts, so you never pay for a card
that isn't paying you back
π§ RIO β YOUR AI MONEY COMPANION
Rio understands your money. It categorises every expense, spots
spending patterns, and flags leakages β minimum balance penalties,
duplicate charges, silent subscriptions and hidden fees draining
your account. Ask it anything about your spending and get a real
answer, not a chart.
π EXPENSE TRACKER & MONEY MANAGER
Track UPI spends, card spends, bills, EMIs and subscriptions in
one dashboard. See where your money actually goes each month, set
budgets that reflect how you really spend, and get nudged before
anything is due.
π KNOW AND GROW YOUR CREDIT SCORE
Check your credit score for free and understand exactly what moves
it β payment history, credit utilisation, account age, enquiries.
Rivo shows you what to fix and helps you raise disputes on wrong
or fraudulent entries dragging your score down.
π PRIVACY-FIRST, BY DESIGN
Your financial data is yours. Rivo is secured with strong
encryption, compliant with India's DPDP Act, and we never sell
your data.
Permissions are requested only to power features you choose to use:
β’ SMS β to automatically detect transactions, bills and due dates
from your bank messages (read-only; we never read personal
conversations)
β’ Camera β for Scan & Save at the point of payment
β’ Notifications β for reward, due-date, fee and budget alerts
You can review or revoke any permission at any time.
WHY RIVO
β’ Best credit card recommended before every payment
β’ Maximise cashback, reward points, miles and lounge access
β’ Catch hidden fees, penalties and forgotten subscriptions
β’ Track expenses, budgets, bills and EMIs automatically
β’ Check your credit score and fix your credit report
β’ Built for Indian credit cards, UPI and Indian banks
Spend smarter. Save more. Take control of your money.
Rivo is an AI credit card manager and expense tracker for Indian
cardholders β it tells you which card to use before you pay, and
catches the rewards, fees and points you're quietly losing.
π² SCAN & SAVE β THE RIGHT CARD, EVERY TIME
Point Rivo at any payment and it instantly recommends the best
credit card for that transaction. Groceries, fuel, food delivery,
flights, hotels, bills β Rivo knows which card earns you the most
cashback, reward points or miles at that merchant, and shows you
exactly what you'd earn back.
π³ EVERY CREDIT CARD IN ONE PLACE
A complete credit card manager and bill tracker. Rivo reads your
bank SMS to track spends, credit card bills, statement cycles and
due dates across all your cards β no manual entry.
β’ Due-date and credit card bill reminders before you're charged
β’ Reward points balance, earn rate and expiry across every card
β’ Spend milestones β how close you are to a fee waiver, bonus
points or lounge access
β’ Annual fee and renewal alerts, so you never pay for a card
that isn't paying you back
π§ RIO β YOUR AI MONEY COMPANION
Rio understands your money. It categorises every expense, spots
spending patterns, and flags leakages β minimum balance penalties,
duplicate charges, silent subscriptions and hidden fees draining
your account. Ask it anything about your spending and get a real
answer, not a chart.
π EXPENSE TRACKER & MONEY MANAGER
Track UPI spends, card spends, bills, EMIs and subscriptions in
one dashboard. See where your money actually goes each month, set
budgets that reflect how you really spend, and get nudged before
anything is due.
π KNOW AND GROW YOUR CREDIT SCORE
Check your credit score for free and understand exactly what moves
it β payment history, credit utilisation, account age, enquiries.
Rivo shows you what to fix and helps you raise disputes on wrong
or fraudulent entries dragging your score down.
π PRIVACY-FIRST, BY DESIGN
Your financial data is yours. Rivo is secured with strong
encryption, compliant with India's DPDP Act, and we never sell
your data.
Permissions are requested only to power features you choose to use:
β’ SMS β to automatically detect transactions, bills and due dates
from your bank messages (read-only; we never read personal
conversations)
β’ Camera β for Scan & Save at the point of payment
β’ Notifications β for reward, due-date, fee and budget alerts
You can review or revoke any permission at any time.
WHY RIVO
β’ Best credit card recommended before every payment
β’ Maximise cashback, reward points, miles and lounge access
β’ Catch hidden fees, penalties and forgotten subscriptions
β’ Track expenses, budgets, bills and EMIs automatically
β’ Check your credit score and fix your credit report
β’ Built for Indian credit cards, UPI and Indian banks
Spend smarter. Save more. Take control of your money.
AI credit card manager & expense tracker. Maximise rewards, cut fees, save more.
Updated on
Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
- No data shared with third partiesLearn more about how developers declare sharing
- This app may collect these data typesPersonal info, Financial info and 4 others
- Data is encrypted in transit
- You can request that data be deleted
Whatβs new
Whatβs new in Rivo:
β’ Scan receipts to find the best card for your purchase
β’ Explore refreshed navigation and layouts across Rivo
β’ Enjoy clearer merchant icons and visual improvements
β’ Experience performance and reliability improvements
β’ Scan receipts to find the best card for your purchase
β’ Explore refreshed navigation and layouts across Rivo
β’ Enjoy clearer merchant icons and visual improvements
β’ Experience performance and reliability improvements
App support
phone
Phone number
+918951803660
About the developer
Rivo technologies private limited
developers@rivo.pe
Shyam Colony Maheshwara Road, Dausa Dausa
Dausa, Rajasthan 303303
India
+91 89518 03660