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
HDFC · SBI · ICICI · Axis · HSBC · IDFC FIRST
Read, replayed, checked —
then shown to you.
Read.Your statements, read where they already are.
Your bank emails you a statement every month. We read that PDF and turn it 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 wallet in the beta — 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.
Statement 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 deletes what we read
Your spend history goes when the connection does. No spare copy.
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 card statements arrive in your inbox as PDFs. We read those to build your spend timeline — so there is nothing to upload and no bank login to hand over. Access is read-only: we cannot send, edit or delete your mail.
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 delete what we read when you do.
What is the 'unverified app' warning?
Google shows that warning for every app still in testing. You are on our tester list, so you are expected. Tap Continue and you're in. We can't remove it during the beta, and it is not a security problem.
Which banks work today?
We read 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 statement yet.
What does it cost?
Free during the beta, 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 testers keep free access through the beta.
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
₹1,355 was one month.
Left alone, that's ₹13,524 a year.
Read-only Gmail · revoke any time · no card details, ever