Swipe the right card,
every time.
See what your swipes missed, and which card to get next.
Last month, swipes on the wrong card missed ₹1,355. For the next purchase at Reliance, Tata Neu Infinity is the card to use.
What you missed. What to get next.
Swipes missed
₹1,355
lost to the wrong card in one month
- ₹875Earned
- ₹1,355Missed
- ₹2,230Could have
- Right card on
- 11 of 24 swipes
If you upgrade
+₹28,280
more a year, after card fees
- +₹18,248Your cards, used right
- +₹5,069Get PaisaSave
- +₹2,715Get HSBC RuPay Cashback
- +₹2,248Get CRED IndusInd
- New cards add
- +₹10,032
Both from real wallets in the app: three cards in August, and one upgrade plan.
Know the card before you pay.
Name the shop and the amount. It counts the caps you've already used.
The audited wallet's three cards, priced by the app's own engine on a fresh month.
In the app.

What your swipes missed

Which card to get next

Points priced in rupees

Matched to your statement
Works with your cards.
- HDFC
- SBI
- ICICI
- Axis
- HSBC
- IDFC FIRST
- YES BANK
- Free
- No affiliate money
- Verified by Google
Fair questions.
An audit, in minutes.
Your recent months, audited the moment you connect: every swipe that went on the wrong card, with what the best card already in your wallet would have earned. The current month shows straight away, about three months behind it fill in within minutes, and any older month is one tap away.
7 banks, 144 cards.
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 144 cards across 16 banks, each with its own rates, caps and exclusions kept against the dates they applied. You can add a card from any other bank by hand so all your spend sits in one place, but we can't read its mail yet, so we don't audit it.
Your statement checks us.
Because your bank checks them for us. Each month is checked against the bank's statement totals when the statement arrives, and when the two disagree we show you the gap instead of smoothing it away. On one statement from this wallet (14 Jun to 13 Jul) the bank paid 772 points and we worked out 756: the 16 belong to a bonus this card pays a month late. We don't publish an accuracy percentage. We can't source one honestly yet, and a number we can't stand behind is worth less than a method you can check.
Nobody pays us to.
The audit itself never does. “The best card for this swipe” always means the best card already in your wallet. 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. Nobody pays us either way: no affiliate links, no referral fees, no arrangement with any bank. If we say a card is worth having, your own spending said so.
Free.
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, because both would give us a reason to bend the answer. The first 100 users keep it free, whatever we charge later.
Your bank already emails it.
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, so there is nothing to upload and no bank login to hand over. We search only for bank alert and card-statement mail, never the rest of your inbox. Access is read-only: we cannot send, edit or delete your mail. Your bank password-protects the statement, so you type that password in yourself. It is never stored on our servers; the app keeps it in your phone's secure keychain so next month's statement opens without asking.
Yes, verified.
Yes. Gmail read access is a restricted permission, so Google reviewed what we do with it, and an independent lab (TAC Security, under Google's App Defense Alliance) tested our server before Google approved it in October 2026. Both checks repeat every year. That is why Google's consent screen shows no 'unverified app' warning.
Yes, and you can cut us off.
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.
On its way.
The Android app is free on Google Play today. The iPhone app is finished and waiting on the App Store. Leave your email on this page and we'll send you one email, the day it is out.
Something else? support@zenidhi.com
Free on Android.
iPhone is on its way.