We check every swipe on every card you own against your bank's own reward rules.
Four different mistakes, one month, one wallet. The big one you might have caught. The other three you wouldn't.
An alert for every swipe, a statement every month. We read both. Nothing to upload, no bank login to hand over.
HDFC Diners Club Privilege
···· 4092
Read and matched on its own
₹15,364
14 Jun – 13 Jul
From Gmail · read
What you earned, against what the best card in your wallet would have. Every wrong-card swipe named, one by one.
Right card on 11 of 24 swipes this month
≈₹875
earned
≈₹2,230
best possible
≈₹1,355
missed
Wrong card
Reliance
₹1,25,217 · swipe Tata Neu Infinity
Tata Cliq
₹1,249 · swipe Tata Neu Infinity
Netflix
₹649 · swipe Tata Neu Infinity
The bank paid 772 points. We worked out 756. We can say exactly where the 16 went, which matters more than a perfect match.
HDFC Diners Club Privilege
···· 4092 · 14 Jun – 13 Jul
772Bank paid
212 spends560 bonus
756We predicted−16
276 spends480 bonus
This card pays its 5X a month late, so 560 of the bank's bonus is for last month.
When the statement and our arithmetic disagree on a row, we ask you about that one row, not all thirty.
Tata Cliq
₹1,249 · statement says base rate
Did this earn the accelerated rate?
A second statement that agrees promotes the rate for everyone holding this card.
A cap that filled on the 12th changes what the 13th is worth. We track where each one stands today, so the answer moves with the month.
HDFC Diners Club Privilege
···· 4092 · rules as of 18 Jul 2026
Swiggy & Zomato, 4X
Monthly capcapped at 2,500 points a calendar month
Quarterly voucher
Milestone₹1,500 on ₹1,50,000 spend in the quarter
Annual fee waived
Milestoneon ₹3,00,000 spend in the year
See how it works in full: the rulebook, the caps, and why a bonus belongs to one month and not another.
Real screens from the Zenidhi app. One real wallet: three cards, one month.
An audit is a month you can't change. So ask before you pay: name the shop and the amount, and get the same answer pointed forward.
Reliance
₹1,25,217
Tata Neu Infinity
earns the most on this, today
Diners Privilege ··4092
less hereSBI ELITE
less hereTata Neu Infinity
₹1,252 more than Diners Privilege ··4092
What we do with your data, in full: the exact permission we ask for, and what we store.
Your last cycle, audited. Every swipe that went on the wrong card, named one by one, with what you earned against what the best card already in your wallet would have earned on the same spend. The current month appears as soon as the connection is made and we fill in about three months behind it, so there is no waiting around to accumulate data — the mail is already in your inbox. Any older month is one tap away when you want it.
We read swipe alerts from HDFC, SBI, ICICI, Axis, HSBC, IDFC FIRST and YES BANK, and monthly statements from HDFC, SBI, ICICI, HSBC, IDFC FIRST and YES BANK. Our rulebook covers 55 cards across 12 banks, with each card's own rates, caps and exclusions kept against the dates they applied. You can add a card from any other bank by hand to see all your spend in one place; we just can't read its mail yet, so we won't audit it.
Because your bank checks them for us. Before a report exists, our figure is compared against the total the bank printed on your own statement. When the two disagree we show you the gap instead of smoothing it away: on the cycle shown on this page the bank paid 772 points and we worked out 756, and we can say exactly which month the difference belongs to, because this card settles part of its bonus a month late. We don't publish an accuracy percentage. We could not source one honestly yet, and a number we can't stand behind is worth less than a method you can check.
The audit itself never does. “The best card for this swipe” always means the best card already in your wallet, because the whole point is what you could have done with what you own. Separately, the app will tell you if a card you don't hold would have earned you more on your actual swipes, after its annual fee is taken out — but nobody pays us either way. No affiliate links, no referral fees, no arrangement with any bank. If we ever say a card is worth having, it is because your own spending said so.
Free today, and we haven't set a price yet. When we do it will be a flat fee, never a share of what we find, and never a referral fee for moving you onto a new card. Both would give us a reason to bend the answer. The first 100 users keep free access whatever we settle on.
Your bank already emails you the two things we need: an alert on every swipe, and a monthly statement as a PDF. We read those to build your spend timeline and to check our audit against your bank's own figures, so there is nothing to upload and no bank login to hand over. We search only for mail from the banks we support, never the rest of your inbox. Access is read-only: we cannot send, edit, or delete your mail. And your statement stays locked until you say so, because your bank password-protects it and we cannot open it until you enter that password yourself. We never store it.
Yes. You sign in on Google's own page, so we never see your password. You can cut off our access any time at myaccount.google.com/permissions (you don't need to ask us), and we stop reading your mail the moment you do. Your spend history stays until you delete your account, which erases it along with any statement file we had stored.
Google shows that notice while an app's verification is still in progress. Ours is under review now, and the notice goes away once it clears. Read the screen and decide for yourself: if you would rather wait, you can connect Gmail later, and the rest of the app works without it.