Your cards owe you money.
We show the math.
We check every swipe on every card you own against your bank's own reward rules.
best in wallet: Tata Neu Infinity
checked against the bank's own totals
One audited wallet · August · three cards
HDFCSBIICICIAxisHSBCIDFC FIRST
Read, replayed, checked,
then shown to you.
Read.Your bank's mail, read where it already is.
Your bank emails you an alert on every swipe, and a statement every month. We read both and turn them into a list of your spends. Nothing to upload, nothing to type in.
HDFC Diners Club Privilege
···· 4092
Read and matched on its own
₹15,364
14 Jun – 13 Jul
From Gmail · read
Replay.Every swipe, checked against your card's own rules.
For each spend: what you earned, and what the best card in your wallet would have earned. We name every wrong-card swipe, 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
Reconcile.Checked against the bank's own number.
The bank paid 772 points. We worked out 756. We can tell you exactly where the 16 went, and that matters more than a perfect match.
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.
See how it works in full: the rulebook, the spending caps, and why a bonus belongs to one month and not another.
Real screens from the Zenidhi app.
Every figure here is one real wallet: three cards, one month.
What we can see,
and what we can't.
Read-only
We can read. We cannot send, reply, delete or edit anything.
Your password never reaches us
You sign in on Google's own page. We only ever get a read token.
Bank mail, not your inbox
We ask Google for mail from your bank, not for everything else.
Cut us off in one click
Revoke at Google any time, without telling us first.
Revoking stops us reading
Cut the connection and no new mail is read. Delete the account and the history goes too.
No affiliate money
Nobody pays us to push a card, so we have no stake in the answer.
What we do with your data, in full: the exact permission we ask for, and what we store.
Questions people ask.
Why do you need Gmail access?
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.
Is my email safe?
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.
What is the 'unverified app' warning?
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.
Which banks work today?
We read alert emails and statements from HDFC, SBI, ICICI, Axis, HSBC and IDFC FIRST. Our rulebook covers 42 cards across 11 banks. 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.
What does it cost?
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.
What the audit is built on
- cards in the rulebook
- 42cards in the rulebookeach with its own rates, caps and limits
- banks we hold rules for
- 11banks we hold rules fortaken from the bank's own terms, by date
- banks we read statements from
- 6banks we read statements fromHDFC · SBI · ICICI · Axis · HSBC · IDFC FIRST
- affiliate money in the model
- ₹0affiliate money in the modelnobody pays us to pick a card for you