Helping You Get The Most Out Of Your Credit Card
Meet Spend- India's first AI-powered credit card assistant. Track every card, every reward, and every spend, all in one place. No missed points. No wasted perks
Productivity Features
Productivity Features
Productivity Features
Why To Make Spend A Part Of Your Financial Life
Smart earners. Under-informed users. India’s middle class needs a credit brain, not just an app
AI that learns your financial habits
AI that learns your financial habits
AI that learns your financial habits
Built for India’s middle class, in the languages and lifestyle that matter.
₹7,000 Cr+ reward points go unclaimed every year. We make sure yours aren’t one of them.
Stay flight-ready with smart alerts that keep your miles alive.
Key Capabilities
Key Capabilities
Key Capabilities
Smarter credit management, built for India’s middle class.
Smarter credit management, built for India’s middle class.
From AI-powered spend suggestions to simplified redemptions, SpendApp gives users the tools to track, optimize, and maximize their cards — every swipe, every time.
From AI-powered spend suggestions to simplified redemptions, SpendApp gives users the tools to track, optimize, and maximize their cards — every swipe, every time.
Unified dashboard for all cards
Unified dashboard for all cards
Unified dashboard for all cards
AI-driven spend assistant
AI-driven spend assistant
AI-driven spend assistant
Simple reward redemption
Simple reward redemption
Simple reward redemption
Financial nudges & alerts
Financial nudges & alerts
Financial nudges & alerts
Track rewards, balances, limits across banks
Unified Dashboard
Unified Dashboard for all your cards
Track rewards, balances, limits across banks
Unified Dashboard
Unified Dashboard for all your cards
Track rewards, balances, limits across banks
Unified Dashboard
Unified Dashboard for all your cards
Real-time, contextual card suggestions
AI Spend Optimiser
AI Spend Optimiser that tells you which card to swipe, when.
Real-time, contextual card suggestions
AI Spend Optimiser
AI Spend Optimiser that tells you which card to swipe, when.
Real-time, contextual card suggestions
AI Spend Optimiser
AI Spend Optimiser that tells you which card to swipe, when.
Expiry alerts, overspend flags, EMI risk triggers
Smart Alerts
Smart Alerts so you never miss due dates or expiring rewards.
Expiry alerts, overspend flags, EMI risk triggers
Smart Alerts
Smart Alerts so you never miss due dates or expiring rewards.
Expiry alerts, overspend flags, EMI risk triggers
Smart Alerts
Smart Alerts so you never miss due dates or expiring rewards.
Book reward flights, gift cards, gold, SIPs
Simple Redemption
Simple Redemption on flights, gold, SIPs, insurance so that you can redeem rewards without confusion
Book reward flights, gift cards, gold, SIPs
Simple Redemption
Simple Redemption on flights, gold, SIPs, insurance so that you can redeem rewards without confusion
Book reward flights, gift cards, gold, SIPs
Simple Redemption
Simple Redemption on flights, gold, SIPs, insurance so that you can redeem rewards without confusion
Ask: “What’s the best way to use Axis card points?”
Laksh – AI Financial Advisor
The SpendExpert financial guidance, personalized for you, 24/7. Laksh helps you navigate credit cards, investments, and rewards effortlessly. Chatbot answers your questions about prudent card usage, anytime and within seconds!
Ask: “What’s the best way to use Axis card points?”
Laksh – AI Financial Advisor
The SpendExpert financial guidance, personalized for you, 24/7. Laksh helps you navigate credit cards, investments, and rewards effortlessly. Chatbot answers your questions about prudent card usage, anytime and within seconds!
Ask: “What’s the best way to use Axis card points?”
Laksh – AI Financial Advisor
The SpendExpert financial guidance, personalized for you, 24/7. Laksh helps you navigate credit cards, investments, and rewards effortlessly. Chatbot answers your questions about prudent card usage, anytime and within seconds!
Location-based deals
Geo-Smart Offers
Geo-Smart Offers for location based deals on fuel, food, shopping, and more.
Location-based deals
Geo-Smart Offers
Geo-Smart Offers for location based deals on fuel, food, shopping, and more.
Location-based deals
Geo-Smart Offers
Geo-Smart Offers for location based deals on fuel, food, shopping, and more.
Loyalty loop for good financial habits
SpendCoins
SpendCoins to inculcate healthy financial habits to boost your credit score
Loyalty loop for good financial habits
SpendCoins
SpendCoins to inculcate healthy financial habits to boost your credit score
Loyalty loop for good financial habits
SpendCoins
SpendCoins to inculcate healthy financial habits to boost your credit score
About Us
About Us
About Us
The Story Behind Spend
Spend is India’s first smart credit card assistant. We started with one simple question- Why do ₹7,000 Cr worth of points go to waste every year? Our mission is to put that value back into the hands of India’s credit card users- helping people save, travel, and invest smarter with the cards they already have!
Spend is India’s first smart credit card assistant. We started with one simple question- Why do ₹7,000 Cr worth of points go to waste every year? Our mission is to put that value back into the hands of India’s credit card users- helping people save, travel, and invest smarter with the cards they already have!
Spend is India’s first smart credit card assistant. We started with one simple question- Why do ₹7,000 Cr worth of points go to waste every year? Our mission is to put that value back into the hands of India’s credit card users- helping people save, travel, and invest smarter with the cards they already have!
Aadil Shaik
Founder
Fintech, Operations & Partnerships specialist driving Spend's vision to revolutionize credit card management in India.
Aadil Shaik
Founder
Fintech, Operations & Partnerships specialist driving Spend's vision to revolutionize credit card management in India.
Aadil Shaik
Founder
Fintech, Operations & Partnerships specialist driving Spend's vision to revolutionize credit card management in India.
Shorupan Pirapashaty
Product Lead
UX & Systems expert with experience at TCS, crafting intuitive experiences that make financial management effortless.
Shorupan Pirapashaty
Product Lead
UX & Systems expert with experience at TCS, crafting intuitive experiences that make financial management effortless.
Shorupan Pirapashaty
Product Lead
UX & Systems expert with experience at TCS, crafting intuitive experiences that make financial management effortless.
Meet The Team
Get Things Done
Get Things Done
Get Things Done
Get Smarter with Credit
Get Smarter with Credit
Take control of your cards without the confusion. SpendApp makes credit card usage simple - aligning payments, rewards, and financial goals while keeping you stress-free.
Take control of your cards without the confusion. SpendApp makes credit card usage simple - aligning payments, rewards, and financial goals while keeping you stress-free.
Unified view of all cards
Unified view of all cards
Unified view of all cards
AI-driven spend optimization
AI-driven spend optimization
AI-driven spend optimization
Smarter rewards, simplified
Smarter rewards, simplified
Smarter rewards, simplified
AI-Powered Spend Assistant
Always swipe the best card. Real-time suggestions ensure you never miss rewards or overspend.
AI-Powered Spend Assistant
Always swipe the best card. Real-time suggestions ensure you never miss rewards or overspend.
AI-Powered Spend Assistant
Always swipe the best card. Real-time suggestions ensure you never miss rewards or overspend.
Smart Credit Dashboard
Track balances, limits, and rewards across all your cards in one clean view.
Smart Credit Dashboard
Track balances, limits, and rewards across all your cards in one clean view.
Smart Credit Dashboard
Track balances, limits, and rewards across all your cards in one clean view.
Simplified Redemption
Convert points to flights, gold, SIPs, or insurance with zero hassle.
Simplified Redemption
Convert points to flights, gold, SIPs, or insurance with zero hassle.
Simplified Redemption
Convert points to flights, gold, SIPs, or insurance with zero hassle.
Financial Nudges Engine
Get alerts for expiring points, overspending risks, or EMI traps before it’s too late.
Financial Nudges Engine
Get alerts for expiring points, overspending risks, or EMI traps before it’s too late.
Financial Nudges Engine
Get alerts for expiring points, overspending risks, or EMI traps before it’s too late.
Geo-Targeted Offers
Personalized deals wherever you are — from fuel stations to malls to restaurants.
Geo-Targeted Offers
Personalized deals wherever you are — from fuel stations to malls to restaurants.
Geo-Targeted Offers
Personalized deals wherever you are — from fuel stations to malls to restaurants.
Plans That Grow With You
Pricing Options
Choose the subscription plan that suits your needs
Free Plan
₹0
Billed monthly
Use the card tracker
Get expiry alerts
redemption hints to maximise the value you get out of your card!
Premium Plan
₹199
Billed monthly
Everything in Free Plan
Apart from the free plan services,the Premium version includes AI assistant
Concierge redemption
SpendCoins rewards program
Plans That Grow With You
Pricing Options
Choose the subscription plan that suits your needs
Free Plan
₹0
Billed monthly
Use the card tracker
Get expiry alerts
redemption hints to maximise the value you get out of your card!
Premium Plan
₹199
Billed monthly
Everything in Free Plan
Apart from the free plan services,the Premium version includes AI assistant
Concierge redemption
SpendCoins rewards program
Plans That Grow With You
Pricing Options
Choose the subscription plan that suits your needs
Free Plan
₹0
Billed monthly
Use the card tracker
Get expiry alerts
redemption hints to maximise the value you get out of your card!
Premium Plan
₹199
Billed monthly
Everything in Free Plan
Apart from the free plan services,the Premium version includes AI assistant
Concierge redemption
SpendCoins rewards program
Find Your Perfect Fit
Find Your Perfect Fit
Competitive Landscape
Feature
SpendApp
CRED
CheQ
Bank Apps
OneScore
Feature
SpendApp
CRED
CheQ
Bank Apps
OneScore
AI Spend assistant
AI Spend assistant
Works for <800 CIBIL
Works for <800 CIBIL
Unified Reward Redemption
Unified Reward Redemption
Multi-bank Card Dashboard
Multi-bank Card Dashboard
Nudges & Alerts
Nudges & Alerts
Points → Gold/SIP/Insurance
Points → Gold/SIP/Insurance
Gamified Leaderboards
Gamified Leaderboards
Use cases
Use cases
Use cases
Everyday Scenarios, Simplified
Our platform adapts to your lifestyle — whether you’re flying, shopping, working, or investing. Here’s how we make life easier and smarter:
The Frequent Flyer
Get notified before your miles expire so you never miss out on flight redemptions. Stay travel-ready with timely alerts that keep your journeys smooth and rewarding.
The Frequent Flyer
Get notified before your miles expire so you never miss out on flight redemptions. Stay travel-ready with timely alerts that keep your journeys smooth and rewarding.
The Frequent Flyer
Get notified before your miles expire so you never miss out on flight redemptions. Stay travel-ready with timely alerts that keep your journeys smooth and rewarding.
The Shopper
Unlock instant, location-based offers tailored to your preferences. Discover personalized discounts and save effortlessly while shopping.
The Shopper
Unlock instant, location-based offers tailored to your preferences. Discover personalized discounts and save effortlessly while shopping.
The Shopper
Unlock instant, location-based offers tailored to your preferences. Discover personalized discounts and save effortlessly while shopping.
The Busy Professional
Stay on top of your responsibilities with smart auto-alerts for due dates. Avoid late fees and keep focused while we track your deadlines for you.
The Busy Professional
Stay on top of your responsibilities with smart auto-alerts for due dates. Avoid late fees and keep focused while we track your deadlines for you.
The Busy Professional
Stay on top of your responsibilities with smart auto-alerts for due dates. Avoid late fees and keep focused while we track your deadlines for you.
The Investor
Convert unused reward points into gold or SIPs and grow your wealth effortlessly. Everyday loyalty points can turn into meaningful long-term gains.
The Investor
Convert unused reward points into gold or SIPs and grow your wealth effortlessly. Everyday loyalty points can turn into meaningful long-term gains.
The Investor
Convert unused reward points into gold or SIPs and grow your wealth effortlessly. Everyday loyalty points can turn into meaningful long-term gains.
FAQ
FAQ
FAQ
Answers to help you get started faster.
Real stories from teams who streamlined their workflow and delivered more with less.
How is this different from CRED?
How is this different from CRED?
How is this different from CRED?
Do I need a high CIBIL score to join?
Do I need a high CIBIL score to join?
Do I need a high CIBIL score to join?
Is my data safe?
Is my data safe?
Is my data safe?
Ready to make your credit cards work harder?
Join thousands of Indians already maximizing their credit card rewards
Ready to make your credit cards work harder?
Join thousands of Indians already maximizing their credit card rewards
Ready to make your credit cards work harder?
Join thousands of Indians already maximizing their credit card rewards