Optional Labs
ZeroAuthAuthenticator
ParchiMedical papers
TegamiCity-hall letters
Saifu
Credit card advisor for India
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.
Web tools live now. App coming soon.
- The problem
- With a few credit cards, it is hard to know which one pays most at checkout, and fee waivers, monthly caps and expiring points slip by.
- What we fixed
- Saifu ranks your cards for each spend and warns you before a fee waiver, a cap or your points run out.
Screens from the app
Swipe through the main screens. They use the app's sample wallet.
-
HomeWhere you are paying, changes on your cards, what you earned and what was left on the table. -
Which cardThe card that pays most for this spend, and what each of your other cards would give. -
SpendsMonthly bars and a category breakdown, for everyone or one person. -
WalletYour cards, their rewards value and whether each fee waiver is on track. -
Card changesWhat a bank's rule change costs you a year, and cards that would suit your spends better. -
SubscriptionsCharges coming up, matched to your cards, with the monthly and yearly total.
How it works
Add your cards
Pick the cards you hold from 336 cards issued in India. No card numbers and no bank login.
Say where you are paying
Type the shop and the amount, like Swiggy for 800 rupees.
Use the card it picks
Saifu ranks your cards with their caps and exclusions, and shows what each one gives back.
What you get
Which card?
Ranks your cards, or a family member's, for a shop and an amount.
Fee waivers
Progress through each card year and how much to spend each month to get the fee back.
Family wallet
Cards tagged by person. Rank across everyone or one person.
Reward points
Balance, rupee value and expiry, with reminders 30 and 7 days before.
Statement import
Read a PDF statement on the phone. Its password is asked once and never stored.
Spends
Monthly totals, categories and rewards earned, for 3, 6 or 12 months.
Foreign currency
The real cost on each card after markup and GST, and what it earns.
Lounges and EMI
Free lounge visits left, an EMI calculator with GST, and an eligibility check.
Your money stays private
On your phone
- Your cards and spends
- Statements, read on the phone
- An encrypted backup file you control (AES-256-GCM)
- Optional Face ID or fingerprint lock
Never asked for
- An account or sign-up
- Card numbers
- Your bank login
- Statement passwords, which are never stored
Some cards link to an affiliate offer. Those links are labelled, and they are looked up only after your cards are ranked, so they never change the answer.
Get Saifu
Web tools live now. App coming soon.
- Cards listed
- 336 cards issued in India
- Account
- None
- Platforms
- iPhone and Android, plus free web tools at saifu.in