Perks — Optimise expense and maximise rewards
EARNThe right card before you pay.
Optimise expense and maximise rewards
Last four digits. No bank login. No full card number.
QuickBite · ₹649
HDFC Infinia
5.2%Save
* Milestone savings are tentative
EARNThe right card before you pay.
QuickBite · ₹649
HDFC Infinia
5.2%Save
* Milestone savings are tentative
Last four digits. No bank login. No full card number.
On the checkout you already use
Live on Android. Chrome and Web coming soon.
Checkout panel
Asset coming soon
Chrome extension
Coming soonA ranked pick next to pay on shopping sites we support.
Android app
LiveThe pick sits on the payment screen. You tap pay like always.
Wallet and recommend
Asset coming soon
Web app
Coming soonAsk which card to use when you are not at a supported checkout.
Same pick on every platform
Android app
LiveThe pick sits on the payment screen. You tap pay like always.
What the next few months look like
Today
Which card should I use here?
Perks names one from your wallet for this shop and this bill. You pay like you always do.
Start free . Add a goal when you are ready.
Free
- Which card to use before you pay
- Your cards, last four only. No bank login.
- Leftover spend before the month ends
- Chrome, Android, and Web
Premium
₹199 / month
₹1,990 / year
- A trip or gadget with a date
- Everyday spend assigned to that goal
- Ask which card funds the next spend
- See what a new card or redemption is worth
Website checkout is not live. Upgrade in the app after invite.
Free
- Which card to use before you pay
- Your cards, last four only. No bank login.
- Leftover spend before the month ends
- Chrome, Android, and Web
Frequently asked questions
What is Perks?
Perks tells you which card to use before you pay. It ranks the cards in your wallet at Android checkout so you earn more credit card rewards, then helps you plan a goal and redeem when the rate is better. Chrome and Web are coming soon.
How do I earn more credit card rewards in India?
Match the card to the merchant and amount before you pay. Caps, milestones, and bank portals change the real rate. Perks ranks the cards in your wallet at checkout so you do not guess.
When should I burn or redeem reward points?
Redeem when the rupee value is high, such as travel or portal bookings, not as low-value statement credit. Perks Premium is built to flag better burn paths after you have a goal.
Is my payment information secure?
Perks never stores full credit card numbers or security codes. You add the card type and last four digits yourself. We do not access your bank accounts or make payments for you.
How is Perks different from my bank's app?
Banks push their own cards. Perks ranks every card in your wallet for each checkout so you keep more of the rewards.
Which platforms are supported?
Android is live for waitlist invites. Chrome and Web are coming soon. One invite will cover all three.
Which shopping sites and apps work?
Supported checkouts include Amazon, Flipkart, Swiggy, Zomato, Myntra, MakeMyTrip, and BigBasket. We add more as we verify each flow.
Do I need an account?
Yes. After your invite, you sign up with email so your wallet and preferences sync across Chrome, Android, and Web.
What happens when reward rules change?
Reward rules change often. Perks updates its catalog so recommendations reflect current promotions, caps, and exclusions.
How much does Perks cost?
Recommendations are free. Premium is ₹199/month or ₹1,990/year. Upgrade in the app after invite.