Every card one timeline
Stop switching between apps and PDFs. One chronological feed of all transactions across all your cards, all in one place, searchable and sortable by amount, category, date, card.
No more statement hunting
Private beta · 100 seats
All your credit cards, one clear picture —
and the ₹ you're leaving on the table.
Zenidhi reads your card statements, shows every transaction across all your cards in one place — and computes the rewards you should have earned but didn't. Every rule sourced. Every number auditable.
Reads HDFC, SBI, ICICI, Axis & HSBC card statements today — reward rules for 41 cards across 11 banks. Free for the first 100 testers.
Problem
Your cards leak money.
Invisibly. Every month.
The wrong card becomes the default swipe. Caps burn out mid-month without a word. Surcharge routes earn nothing, and promised points quietly never post. The existing answers are listicles, forums, and affiliate-funded aggregators.
Nobody computes the leak from your own transactions.
The questionWhere you look todayWhat you get
Which card for this swipe?Reddit threads & listiclesGeneric advice, not your wallet
Did the points actually land?Nobody checksPromised ≠ posted
Where did the caps run out?A footnote in a PDFYou find out after
How much did I lose this month?NowhereThe leak stays invisible
Zenidhi computes it from your own statements. On one real month: ₹757 earned vs ₹2,256 achievable — a ₹1,499 leak, found and itemised.
How it works
Arithmetic, not advice.
Four steps between your inbox and an auditable rupee number. No manual entry, no guesswork — and every line of the report cites the rule it came from.
Sign in with the Google account you'll use in the app — read-only access to your inbox, zero modification rights. We parse the statements you already get emailed.
The math, shown
One swipe, audited.
This is the unit everything is built from — one transaction, one rule, one honest delta. The numbers below are an illustrative example; your report runs on your real statements.
Transaction audit · Nº 000214
Illustrative exampleSwiggy · 14 Jul · 9:42 pm
₹640.00
paid with Amazon Pay ICICI ··7712
Earned · 1% base rate₹6.40
Best in your wallet · Cashback SBI Card (5% online)₹32.00
Cap headroom remaining₹1,340
Leaked on this swipe− ₹25.60
One real month · audited
₹1,499
left on the table in a single month — ₹757 earned where ₹2,256 was achievable with the same spend, same wallet.
Parse totals matched the bank's own statements 98–100%.
Ranges over false precision — when we're unsure, we ask instead of guessing.
What's inside
Built to find money, not to sell cards
The leak itemised
Every transaction shows what you earned and what you should have earned — the delta is the leak. Tap it and see which card would have paid better, which cap was full, why the rule didn't match.
Leak becomes visible
Tap any transaction
Drill down to the rule that computed the reward — which issuer, which T&C version, which category match, which cap consumed, why the math landed there.
Math is auditable
Caps & milestones tracked
Know when your spend-based or time-based caps are about to fill. See which milestones are within reach this month and which are already lost.
You plan, not discover later
Points audit
The monthly totals reconciled against what the bank says you earned — proof that our math matches their statement, so you trust the leak number.
Trust is verifiable
Best next card open math
Before you swipe, see which card in your wallet would earn the most on this category — and by how much. No affiliate bias, no sponsored rankings.
One right card per swipe
The deal
Trust is the product.
Rewards are just the first proof. The product only works if you can believe the number — so the rules below aren't marketing. They're how the engine is built.
Read-only Gmail scope. We parse your statements; we never send, edit, or export your emails.
Every rule sourced from the issuer's T&Cs — not guesses, not aggregators, not affiliate promotions.
No bias. We don't care which card wins — we show the math and let you decide.
Reconciled against your bank's totals. When our parsed number doesn't match the bank's statement, we flag it instead of guessing.
"We find money you already lost — and we show the math."
Early access
Find out what your cards owe you.
We're inviting 100 testers, added by hand — Google's testing mode caps us there. Leave the Google-account email you'll sign in with, pick your phone, and a human adds you to the tester lists and replies with your install link — usually within 24 hours.
5 banks today — HDFC, SBI, ICICI, Axis, HSBC. Cards from other banks can be named in the app, but their statements won't sync yet.
Rough edges expected. Screens will change and you'll find bugs — but the number won't lie to you. Beta exists to prove it on your real months.
While connecting Gmail in the app you'll see Google's standard "unverified app" notice — every app in testing mode shows it, and you'll be on our invited-tester list. Revoke access anytime at myaccount.google.com/permissions.
Free during beta. You're helping us prove the audit — that's the trade.
No spam. Just launch updates and your beta invite.
Fair questions
For people who read the fine print
Why do you need Gmail access?
Your card statements land in your inbox as PDFs. We read and parse those statements to build your timeline — no manual uploads, no bank API hassle. You give us read-only access; we never send, edit, or forward your emails.
Is my email safe?
Yes. We use Google's OAuth — you log in to Google's own servers, and Google confirms you gave us permission. We never see your password. And you can revoke access anytime at myaccount.google.com/permissions.
What's the 'unverified app' warning?
Every app in Google's testing mode shows it — including Gmail, Maps, and Google's own products during beta. You're on our invited-tester list, so you're expected. Tap 'Continue' and you're in. We can't remove the warning during testing, but it's not a security issue.
Which banks and cards do you support today?
Statements from HDFC, SBI, ICICI, Axis, and HSBC. Reward rules for 41 cards across those 11 issuers. Cards from other banks can be named in the app (so you see all your spend), but their statements won't sync until we add them.
How much does this cost?
Free during beta. You're helping us prove the audit works on your real months — that's the trade. Pricing comes later, if we build this into the full product.
How do I turn this off?
Revoke access at myaccount.google.com/permissions — look for 'Zenidhi (Testing)' and click 'Remove access'. Instant. We delete your data when you revoke.