The audit nobody runs on their own cards.
Indian credit cards advertise rewards in percentages and pay them in points, capped by category, floored per transaction, and settled a cycle later. The result is that almost nobody knows what their cards actually paid them, including the people who chose those cards carefully. Zenidhi answers it by doing the arithmetic: what did you earn, and what could you have earned on the same spend with the same wallet?
Four questions, answered from your own statements
For every transaction, what you actually earned against what the best card in your own wallet would have earned, with the issuer clause that decides it.
Rewards get promised at the swipe and delivered a cycle later, or not at all. We track the promise to the statement and flag what never arrived.
Most cards stop earning partway through a month and never say so. We show the day a cap burned and what the spend after it was worth.
A leak you can still act on is a different thing from one you can't. The audit separates the two and puts the fixable ones first.
How the audit runs
Your card statements arrive in your inbox every month as PDFs. With read-only access to Gmail, Zenidhi finds them, reads them, and builds a transaction timeline you never had to type in. Each transaction is then replayed against the rulebook for that specific card (the merchant exclusions, the category rates, the monthly caps, the per-transaction floors), as those rules stood on the date you spent. Finally the whole month is reconciled against the totals the bank itself printed. Only then does it become a report.
Statements are parsed today for HDFC, SBI, ICICI, HSBC, IDFC FIRST. Cards from other issuers can be named in the app so your spending picture stays whole, but their statements won't sync until we add them.
What we believe
Every rupee comes from your own transactions. Not a listicle, not a Reddit thread, not someone else's wallet. If we can't derive it from your statement, we don't claim it.
52 cards across 11 issuers, versioned from the issuers' own terms. There is no affiliate money anywhere in the model: we have no stake in which card wins, which is the only way the answer can be trusted.
Every report is checked against the bank's own printed totals before you see it. When our number and the bank's number disagree, you get a flag and a question, never a confident guess.
Zenidhi is built in India for Indian cards, free for the first 100 users, and made for people who would rather see the arithmetic than be told a number. Request access or read how we handle your data.