Card Analyser

Akaovia

About this app

Card Analyser remembers every reward rule, fee waiver threshold, and milestone benefit across all your credit cards — so you don't have to.

Just enter a purchase (merchant + amount), and Card Analyser instantly tells you which card in your wallet earns the most. No spreadsheets. No memorizing caps and exclusions. No guessing.

WHY CARD ANALYSER?

• AI-POWERED RECOMMENDATIONS — Our engine evaluates real reward rates, caps, exclusions, milestones, and fee waivers to pick the optimal card. Not just the highest headline cashback rate.

• PAYMENT MODE AWARE — Knows that your HDFC Swiggy card earns 10% on Swiggy but your Amazon Pay card gives 5% with no cap. Considers UPI, online, offline, and contactless payment modes.

• FEE WAIVER TRACKING — See exactly how close you are to waiving the annual fee on every card. Stop paying fees on cards you barely use.

• SPENDING INSIGHTS — Monthly breakdowns of where your money goes and which cards are pulling their weight.

• AI EXPLAINS IT — Every recommendation comes with a plain-English explanation of why that card wins, including caps applied and rewards calculated.

• PRIVATE BY DESIGN — We never store your full card number (only the last 4 digits, and that's optional). No ads, no selling your data.

HOW IT WORKS

1. Add your credit cards — name, bank, reward rates, and fees
2. Log a purchase — merchant name and amount
3. See which card wins — ranked by actual rewards earned
4. Track milestones and fee waivers over time

Built for Indian credit cardholders managing multiple cards across HDFC, SBI, ICICI, Axis, Amex, and more.

What’s new

Welcome to Card Analyser — your AI-powered credit card companion.

• Instantly see which card to use for every purchase
• Track reward rates, fee waivers, and milestones across all your cards
• Smart merchant search with category detection
• Monthly spending intelligence and optimization insights
• Google Sign-In for secure, one-tap access

We're just getting started. More features coming soon.