Know every rupee's
best card.
KredMe tells you, the moment you reach for your wallet, which of your credit cards earns the most. We read MCC codes, monthly caps, fuel waivers and milestone bonuses so you don't have to.
If you carry four cards, three of them are wrong at any given checkout.
A serious cardholder leaves ₹15,000–₹40,000 on the table every year by reaching for the wrong card. Not because the rules are hidden — because there are hundreds of them, and no one stops to compare them mid-checkout, online or off.
You guess. The bank wins.
Reward charts are buried in PDFs. Caps reset on cycle dates you don't track. Fuel exclusions and forex markups bury themselves in the small print. The “premium” card in your wallet is often the worst one for the merchant in front of you.
- Average rules per card3.2
- Cards you'd need to memorise≈ 14
- Annual reward leak (4-card wallet)₹22,400
One tap. The right card.
Add your cards once. Tell us where you're paying. We rank every card you own by what it returns at this merchant, in this category, this cycle — accounting for what you've already spent and what's left in each cap. Pick the top one. Move on.
- Time to recommendation< 1 sec
- Reward rules indexed1,202
- Avg. extra earned per ₹1,000₹14–₹38
Four steps. Then forever.
Set up takes a couple of minutes. After that, KredMe is invisible until the moment you need it.
Add your cards
Pick from 376 supported Indian cards across 34 issuers. We ask only for the last 4 digits of each card — never full numbers, statements, or net-banking access.
Tell us the merchant
Search by name or pick from your recent places. KredMe matches the MCC and the channel in milliseconds.
See the ranking
Every card you own, sorted by what it earns here. Caps remaining, exclusions, milestones — surfaced inline, not buried.
Pay. We track it.
Confirm and the spend is logged against the right cycle. Caps tick down, milestones tick up, next month's recommendations get sharper.
Built for the things other apps round off.
A reward optimizer is only as good as the rules it knows about. KredMe models the messy edges that decide whether your card actually earns this rupee or not.
MCC-aware ranking
Every merchant is matched to its MCC code, not its name. "Zomato" and "Swiggy" are dining; "BookMyShow" is entertainment. Bonus categories actually trigger.
Caps tracking, live
Monthly and cycle caps tick down as you spend. The recommendation flips the moment a card hits its limit — no manual math, no surprises on statement day.
Fuel surcharge waivers
The 1% fuel surcharge waiver has minimum spends, maximum spends, and exclusions per card. KredMe knows them. You see the all-in number, not the gross rate.
Milestone nudges
"₹4,280 more this quarter unlocks 1,000 points" — written on the recommendation screen, not three menus deep. Hit them or skip them with eyes open.
Forex & channel logic
Online vs offline vs international are three different worlds. Forex markups, dynamic currency conversion costs, and online-only bonuses — all priced in.
Wallet view, the editorial way
Every card you own as a clean artifact — tier glyph, issuer stripe, last-4 in mono. No glossy stock renders. Numbers that align. Made to be looked at.
What's actually inside.
Less app, more instrument.
Numbers as the hero. Hairlines, not boxes. Ink and paper. Day and night.
HDFC Diners Black
4 cards
Cycle stats
Cycle 14 Aug
Use HPCL Power+
Fuel is excluded on Diners. Switch to your IDFC HPCL for 5% back — ₹105 more.
3 rule changes
HDFC Diners Black
4 cards
Cycle stats
Cycle 14 Aug
Use HPCL Power+
Fuel is excluded on Diners. Switch to your IDFC HPCL for 5% back — ₹105 more.
3 rule changes
Built by people who also carry too many cards.
The story.
KredMe started as a spreadsheet — a brutally complicated one, kept by the kind of person who reads the T&C of a credit card before applying. We added rules until the spreadsheet broke. Then we built KredMe.
We don't think credit-card rewards are evil, and we don't think they're free money. They're a contract. The contract has fine print. The fine print has caps, cycles and exclusions. KredMe reads the fine print so you can stop pretending you do.
Made in India. Independent. No bank partnerships, no referral fees.
Things people ask before downloading.
Do I have to share my card numbers or statements?
No full card numbers, CVVs, or net-banking access — ever. We ask only for the last 4 digits of each card. We use those last 4 digits to match your spends, so we can keep your rewards tracker, caps, and milestones up to date.
Everything else is computed against the published reward rules, not your full statement history. That's it.
Which cards and issuers are supported?
376 active credit cards across 34 Indian issuers — including HDFC, Axis, ICICI, SBI Card, IDFC First, American Express, Citi, Standard Chartered, Kotak, IndusInd, RBL, Yes Bank, AU Small Finance, OneCard, and others.
Don't see your card, or spot a reward rule that has changed? We'd love your feedback so we can keep improving.
Will it suggest I get a new card?
Today, KredMe only ranks the cards you already own — it's a rewards-optimisation tool, not a card marketplace. We don't show 'apply now' offers, we hold no bank partnerships or referral tie-ups, and we are not in the lead-generation business.
What about HDFC Diners Black being capped at ₹1,000?
That's the kind of rule we live for. KredMe tracks every category cap, cycle cap, and aggregate cap separately. The moment one fills, that card stops being recommended for that category until the next cycle resets. You'll see "cap reached" inline, not on your statement.
Is there an Apple Watch / Android widget?
An iOS Live Activity is in TestFlight today — it shows the recommended card on your lock screen as soon as you open the app to a merchant. An Android widget ships with the next minor release. Watch app: on the roadmap, not yet built.