SmartSpend — the best credit card for every purchase in India
SmartSpend tells you which of your own credit cards to use for a purchase, so you get the most money back. Tell it what you are buying and roughly what it costs, and it finds you the best way to pay: swiping one particular card, buying a discounted gift card first and paying with that, or booking a restaurant through the platform that leaves you paying least.
SmartSpend does not sell credit cards and is not a bank. It cannot see your money or move it. You get an answer in rupees, and you decide what to do with it.
Why it beats guessing
The same card can give you 5% back at one shop and almost nothing at a petrol pump, on rent or on a wallet top-up — and most cards stop paying the good rate once you have earned a few hundred rupees in a month. SmartSpend accounts for those monthly limits, the categories your card leaves out, the surcharges that come off the top, and memberships you already pay for, then tells you what each of your cards is really worth for this one purchase, in rupees.
What it covers
- Over a hundred Indian credit cards from HDFC Bank, SBI Card, Axis Bank, ICICI Bank, American Express, IDFC FIRST, Kotak, RBL Bank, HSBC and BOB Financial — everyday cards, premium cards and co-brands.
- Discounted gift cards, priced live across HDFC SmartBuy and Gyftr, ICICI iShop, American Express ShopWise, Woohoo, Kotak Instant Vouchers and RBL Bank Offers — often cheaper than swiping.
- Restaurant bills priced on EazyDiner, Swiggy Dineout and Zomato at once, with the best bank offer your card qualifies for added in.
- India only, in rupees.
What it costs
- Free, forever — 5 optimise queries a month (one query is one purchase you look up), 3 Dine Out searches, up to 5 cards.
- Pro, ₹99 a month — 30 optimise queries a month, 10 Dine Out searches, up to 10 cards.
- Pro+, ₹299 a month — unlimited optimise queries subject to fair use, 20 Dine Out searches, up to 30 cards.
Every plan includes the portal and gift-card deals and unlimited history. Cancel any time, with a seven-day full refund.
What it never asks for
SmartSpend works from the card names you add and nothing else. It never asks for a bank login, password or card PIN, never records card numbers, CVVs or expiry dates, and does not read your messages, statements or transactions. Your card list and your searches are never sold.
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The app itself needs JavaScript. Reward rates, fees and offer terms change often and vary by card variant — confirm current terms with your issuer before you spend.