Which card at checkout. And what you are about to lose.
Saifu tells you which of your cards pays most for this purchase. It also shows the fee waivers, monthly caps and points about to run out, and how many free lounge visits you have left. It all runs on your phone, with no account.
Where are you paying?
10% on Swiggy food, Instamart and Dineout, up to ₹1,500 a cycle.
- HDFC Millennia₹40
- SBI Cashback₹40
- Axis Flipkart₹32
Five sample cards ranked with the app's own rules. Tap a shop to try another.
- No sign-up or account
- Spends and bank messages stay on your phone
337 cards from 17 banks
- AUAU Small Finance
- AAxis
- BoBBank of Baroda (BOBCARD)
- CCanara
- FFederal
- HHDFC
- HHSBC India
- iICICI
- IDFCIDFC FIRST
- IBIndusInd
- KKotak Mahindra
- PNBPunjab National
- RBLRBL
- SBISBI Card
- SCStandard Chartered Bank India
- UUnion Bank of India
- YESYES
Know what is about to run out
Fee waivers, monthly caps, points that expire and free lounge visits all have a deadline. Saifu keeps the count and reminds you before it is too late.
Fee waiver
₹1,000 annual fee is waived at ₹1,00,000 spend. 41 days left in the card year.
Monthly reward cap
₹1,500 a cycle on the card's best category. Spend past it earns the base rate.
Points that expire
4,200 points lapse on 22 October. You get a reminder 30 and 7 days before.
Lounge visits
Two of four free visits left this quarter. Each use is logged.
Sample numbers for one imagined card. In the app they come from your own cards and spends.
Everything about your cards, on one screen
No sign-up, no bank login. You never type a card number.
Lounge visits
Free visits left on each card this period, a log of the visits you have used, and whether last quarter's logged spend met the card's condition. What it tracks today
Devaluations in rupees
When a bank cuts a reward rate, you see what it costs you a year on your own spends, not a headline.
Spend charts and family wallet
Monthly bars, where the money went, and rewards earned per card. Keep family members' cards in the same wallet and rank across everyone or one person.
Bank messages, on your phone
On Android, switch on message reading and card and UPI spends are picked up by last 4 digits. On iPhone, a Shortcut you set up passes each bank message to the app, which reads it on the phone.
Statement import
Import a statement PDF, a scanned PDF or pasted text. It is read on the phone, the app says how many lines it could not read, and you review each line before it is stored.
Encrypted backup
One file moves everything to a new phone. The file is locked with a passphrase you choose. You keep the file; Saifu never receives it.
Find a card
Search every card by bank or card name, in A to Z order, not ranked. Open one for its fees, lounges, points and the bank's published eligibility.
Check before you apply
Enter your age, income and work type to see if you are likely to qualify. It runs on your phone against the bank's published rules, pulls no credit report and cannot affect your score.
No account
Your cards and spends are stored encrypted on your phone. Saifu holds no phone number or email for you, so it cannot call, text or email you.
The screens you will use most
Meet Sai, in 30 seconds
What stays on your phone, and what does not
Your cards, spends and settings are stored encrypted on your phone. Reading bank messages is optional, off until you switch it on, and happens only on the phone. Statements are read on the phone. Saifu holds no phone number or email for you.
Two things can use the network. The app checks for a signed card-rules update, which shows your IP address to the host that serves it. If you choose to download the optional assistant model, that file comes from Hugging Face or a copy hosted by Saifu. No wallet data is in either request. Full privacy policy
Ranked without commission
Some cards have an affiliate link, and we may earn a commission if you apply through it. Every such link is labelled, and affiliate links never change how cards are ranked. When you apply on a bank or partner site, that party receives what you enter and may contact you. How we earn
Trending in money this month
Get these on WhatsApp- Money rules changing in October 2026: PF, UPI, NPS, SBI and moreWhat changed · 5 October 2026
- EPF wage ceiling raised to ₹25,000: what changes on your payslipSalary and retirement · 5 October 2026
- UPI charges above ₹2,000 from 15 October 2026: do you pay?What changed · 5 October 2026
- EPF withdrawal rules 2026: how much you can take out, and whenSalary and retirement · 5 October 2026
- NPS withdrawal rules 2026: take up to 80% as a lump sumSalary and retirement · 5 October 2026
- HRA: Bengaluru, Hyderabad, Pune and Ahmedabad now get the 50% limitIncome tax · 5 October 2026
337 cards from 17 banks
230 have values checked against the bank's terms. 107 have some values not yet confirmed, and say so on their page. Reward rules are in the app for 314.
Browse cardsGet the app
No account to make.
Spot a mistake on this page? Tell us