Free · 2-minute setup · No bank login required

You're already spending. Start earning from it.

Add the cards in your wallet, tell us how you spend, and CardWise AI tells you exactly which card to swipe for every category — so no cashback ever goes unclaimed again.

Calculate my rewards → See how it works

₹8K–12Ktypical annual upside

5+cards in database

₹0cost to use

SBI CASHBACK

5% Online Shopping

no category cap·

ICICI AMAZON PAY

2% Bill Payments

no annual fee·

Cheat sheet

Fuel → HDFC MoneyBack+

Dining → Axis ACE

Three steps. Real ₹ numbers.

STEP 1

Add your cards

Pick from our editable benefits database — HDFC, SBI, ICICI, Axis, Amex and more. No card number ever asked.

STEP 2

Enter monthly spend

Rough numbers by category — travel, fuel, dining, shopping, utilities. Takes under a minute.

STEP 3

Get your cheat sheet

See exactly which card wins each category, estimated annual rewards, and what you're currently leaving on the table.

Build your cheat sheet

Select the cards you hold, then estimate what you spend monthly in each category.

1 · Your cards

Don't see your card? View / suggest additions to the database →

2 · Monthly spending (₹)

Your results

Monthly reward

₹0

Estimated annual reward

₹0

Categories optimized

Use This Card Here

Your personal cheat sheet — keep this in mind before you swipe.

Category breakdown

Category	Spend	Best card	Rate	Monthly	Annual

Ask CardWise AI

Hey! I can see your spending breakdown. Ask me things like "should I get a travel card?" or "how do I hit the Amazon Pay cap?"

Card benefits database

Reward rates are editable in data/cards.json — update them as banks change terms.