# SmartSpend

> SmartSpend tells you which of your own credit cards to use for a purchase, so
> you get the most money back. It finds 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. It
> covers over a hundred Indian credit cards, answers in rupees, and never asks
> for a bank login, card number or statement.

SmartSpend does not sell credit cards and is not a bank. It cannot see your money
or move it. The answer it gives is what each of your cards is really worth for
one particular purchase, in rupees, after the monthly limits, the categories your
card leaves out, the surcharges and the memberships you already pay for.

Coverage: India only, Indian rupees. Cards from HDFC Bank, SBI Card, Axis Bank,
ICICI Bank, American Express, IDFC FIRST, Kotak, RBL Bank, HSBC and BOB
Financial — everyday, premium and co-branded. Discounted gift cards are
priced live across HDFC SmartBuy and Gyftr, ICICI iShop, American Express
ShopWise, Woohoo, Kotak Instant Vouchers and RBL Bank Offers. Restaurant bills
are priced on EazyDiner, Swiggy Dineout and Zomato at once.

Pricing: a free plan that never expires (5 optimise queries and 3 Dine Out
searches a month, up to 5 cards), Pro at INR 99 a month (30 optimise queries, 10
Dine Out searches, up to 10 cards), and Pro+ at INR 299 a month (unlimited
optimise queries for ordinary personal use, 20 Dine Out searches, up to 30
cards). One optimise query is one purchase looked up. Gift-card deals and full
history are on every plan, free included.

## Key pages

- [Frequently asked questions](https://www.smartspend.in/faq): what SmartSpend does, which cards and banks it covers, what it costs, and what it never asks you for.
- [Pricing](https://www.smartspend.in/pricing): the free, Pro and Pro+ plans and what each includes.
- [Blog](https://www.smartspend.in/blog): credit card devaluations, rule changes and reward guides for India.
- [Home](https://www.smartspend.in/): the app itself. Requires JavaScript; the FAQ above is the readable summary.

## Articles

- [Amex is changing five things before 11 October. Two of them cost you money.](https://www.smartspend.in/blog/amex-india-changes-october-2026): American Express India withdraws two services and revises its card terms between 16 September and 11 October. The emergency replacement card goes, and the 50% annual fee waiver on the Membership Rewards Credit Card is reported to go with it.
- [Scapia Axis Bank Credit Card: why the 10% rewards are actually 2%](https://www.smartspend.in/blog/scapia-axis-bank-credit-card): Axis Bank launched the Scapia Axis Bank Credit Card on 3 September 2026 with zero forex markup and no annual fee. The advertised 10% and 20% rewards are Scapia Coin counts, not returns. Here is the real rate, and why the RuPay variant earns half.
- [Amex Platinum Travel milestones change on 10 September: what each spend level loses](https://www.smartspend.in/blog/amex-platinum-travel-milestone-change-2026): American Express is removing the ₹1.9 lakh milestone on the Platinum Travel Credit Card and swapping 22,500 points for a bigger Taj voucher. Here is what each spend level actually loses, why the deadline is earlier than it looks, and the spend at which the card stops covering its own fee.
- [Amex Reward Multiplier ends 30 September 2026: what each card loses](https://www.smartspend.in/blog/amex-reward-multiplier-discontinued-2026): American Express is discontinuing Reward Multiplier in India from 30 September 2026. Here is the per-card earn rate Amex publishes, the 25,000 point monthly ceiling on the bonus, what survives the cutoff, and the purchases most likely to earn nothing in the rush before it.
- [Credit card cashback caps: why your 5% card stops paying at ₹1,000](https://www.smartspend.in/blog/credit-card-cashback-caps-india): Most Indian cashback credit cards cap the accelerated rate at a few hundred rupees a month. Here is what the caps actually are on the Axis ACE, HDFC Millennia and HSBC Live+, and the spend level where 5% quietly becomes 1.25%.
- [HSBC zero forex markup offer 2026: what it actually saves you](https://www.smartspend.in/blog/hsbc-zero-forex-markup-offer-2026): HSBC has waived the forex markup on all its credit cards from 15 August to 15 September 2026. The real saving is 4.13%, not 3.5%, because GST rides on the markup. Dates, exclusions and what to do before the window shuts.
- [What is an MCC code, and why your card paid 1X instead of 5X](https://www.smartspend.in/blog/what-is-an-mcc-code): Your card rewards a four-digit merchant category code (MCC), not the shop you paid. That is why the same purchase can pay 5X or 1X, and how to check a category before you spend.

## Apps

- [Android](https://play.google.com/store/apps/details?id=com.manangupta.smartspend)
- [iPhone](https://apps.apple.com/in/app/id6805351221)