Perks — Optimise expense and maximise rewards
EARN
QuickBite · ₹649
HDFC Infinia
5.2%Save
* Milestone savings are tentative
You choose what we see. No bank login. No full card number.
EARN
Log the spend. Let Perks pick the next card.
QuickBite · ₹649
HDFC Infinia
5.2%Save
* Milestone savings are tentative
You choose what we see. No bank login. No full card number.
Where you already spend
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
LiveLog in seconds from the app, a home widget, or an evening nudge. Optional pick at checkout.
Wallet and recommend
Asset coming soon
Web app
Coming soonWallet, history, and which card when you are not in a shop.
Same ledger on every platform
Android app
LiveLog in seconds from the app, a home widget, or an evening nudge. Optional pick at checkout.
What the next few months look like
Today
What did I spend this week?
Perks keeps a ledger you add yourself. Widget, reminder, or checkout if you use it.
Start free . Add a goal when you are ready.
Free
- Log spends and see the last 30 days
- Which card to use for the next spend
- You add the cards. No bank login. Last four optional.
- Log in seconds from the app, a widget, or a reminder.
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
- Log spends and see the last 30 days
- Which card to use for the next spend
- You add the cards. No bank login. Last four optional.
- Log in seconds from the app, a widget, or a reminder.
Frequently asked questions
What is Perks?
Perks is an expense manager for credit card rewards. Log daily spends from the app, a home widget, or an evening reminder, see what they earned, then pick which card to use next. Checkout assist on Android is optional. Premium adds a goal and a better redeem path. Chrome and Web are coming soon.
How do I earn more credit card rewards in India?
Log what you spend so the next pick is not a guess. Match the card to the merchant and amount. Caps, milestones, and bank portals change the real rate. Perks ranks the cards in your wallet from that history.
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?
You choose what we see. Perks never stores full credit card numbers or security codes. You add the card type yourself. Last four is optional. 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 keeps one ledger across your wallet, then ranks every card for the next spend.
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 devices. Android is live now. Chrome and Web come next.
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?
Logging and recommendations are free. Premium is ₹199/month or ₹1,990/year. Upgrade in the app after invite.