Your cards owe you money.
We show the math.
We audit every swipe on every card you own, against the issuer's own reward rules.
best in wallet: Tata Neu Infinity
reconciled with the bank's own totals
One audited wallet · August · three cards
HDFC · SBI · ICICI · Axis · HSBC · IDFC FIRST
Read, replayed, reconciled —
then shown to you.
Read.Your statements, read where they already are.
The PDF your bank mails you every month becomes a ledger of transactions, matched row by row against what we already had. Nothing to upload, nothing to key in, no bank API to wait on.
HDFC Bank Diners Club Privilege Credit Card
HDFC ···· 4092 · cycle closes day 13
Auto-reconciled on 20 Aug · 1 spend added
Everything matched, so this cycle applied itself — open the rows to see what it did, or undo with one tap.
₹15,364
due 2 Aug · minimum ₹770
34 transactions · 33 already in your ledger
772 Reward Points earned · 12,087 balance
14 Jun – 13 Jul
Read — tap to review · from Gmail
Replay.Every swipe replayed against that card's own rules.
For each transaction: what you earned, what the best card already in your wallet would have earned, and the merchant that decided it. Wrong-card swipes get named one by one — never summarised into a tip.
Right card on 11 of 24 swipes this cycle · ₹87 left behind
≈₹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 — and able to explain the gap.
The bank paid 772 points on this cycle; the replay said 756. The sixteen in between are not a rounding error we hid — 560 of the bank's figure is bonus for the previous month, because this card settles its 5X a cycle late. Reconciling the total is the easy half; knowing which month a bonus belongs to is the half that makes the number trustworthy.
772
Bank paid
212 spends + 560 bonus
756
We predicted · −16
276 spends + 480 bonus
560 of the bank's total is bonus paid for LAST cycle — this card settles its 5X a month late, so the two figures cover different months.
The whole mechanism, at length — the rulebook, the cap ledger, and why a bonus belongs to a particular month.
Zenidhi's own interface, drawn to the app's design tokens.
Every figure on this page is one audited wallet in the beta — three cards, one cycle.
What connecting Gmail gives us —
and what it doesn't.
Read-only, at the scope level
We ask Google for read access and nothing else. Sending, replying, deleting and editing aren't permissions we hold — not ones we choose not to use.
Your password never reaches us
You sign in on Google's own servers. We receive a token scoped to reading mail, and never see the credentials you typed.
We fetch statement mail, not your inbox
The sync queries for the issuers' statement senders and subjects. Correspondence that isn't a card statement isn't what we ask Google for.
Revoke in one click, on Google's side
myaccount.google.com/permissions removes our access without asking us, whether or not you tell us first.
Revoking deletes what we parsed
The transaction ledger built from your statements goes when the connection does. There's no archived copy that outlives your consent.
No affiliate money, anywhere
We aren't paid when you take a card. Nothing in the model has a stake in which card wins, which is the only way the answer can be worth reading.
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. Access is read-only: we never send, edit, or forward your emails.
Is my email safe?
Yes. We use Google's OAuth — you log in on Google's own servers and we never see your password. You can revoke access anytime at myaccount.google.com/permissions, and we delete your data when you do.
What's the 'unverified app' warning?
Every app in Google's testing mode shows it — you're on our invited-tester list, so you're expected. Tap 'Continue' and you're in. We can't remove the warning during beta, but it isn't a security issue.
Which banks do you support today?
Statements from HDFC, SBI, ICICI, Axis, HSBC and IDFC FIRST, with reward rules for 42 cards across 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, and we haven't set a price. When we do it will be a flat subscription, not a cut of what we find and not a referral fee for moving you onto a card — both of those would give us a stake in the answer, which is the one thing this cannot have. Testers in the first 100 keep free access through the beta whatever we land on.
What the audit is built on
- cards in the rulebook
- 42cards in the rulebookeach with its own rates, caps and exclusions
- issuers
- 11issuersversioned from their own T&Cs, by date
- banks read from Gmail
- 6banks read from GmailHDFC · SBI · ICICI · Axis · HSBC · IDFC FIRST
- affiliate money in the model
- ₹0affiliate money in the modelwe have no stake in which card wins
₹1,355 was one cycle.
Unchecked, that's ₹13,524 a year.
Read-only Gmail · revoke any time · no card details, ever