SIP My Cards
AI-Powered Recommendations

The smartest card
for every payment.

SIP My Cards finds the best credit card for each transaction you make — matched to your cards' real rewards, cashback, and benefits, before you tap to pay.

Find My Best Card
Explore Credit Cards
No CVV or full card number required Secure OTP login

Axis Bank

Magnus

•••• •••• •••• 4821

Mastercard

SBI Card

SimplyCLICK

•••• •••• •••• 7734

VISA

HDFC Bank

Regalia Gold

Primary

•••• •••• •••• 0192

VISA

Personalized to your wallet

Tailored for the way you spend.

Every recommendation is built around the cards you actually carry — so the saving is always real, and always yours.

We analyze 1000+ card benefits in real-time
10%Best rate · Shopping
8%Best rate · Travel
6.5%Best rate · Fuel
12%Best rate · Dining
6/yrUp to visits · Lounge Access
The journey

How SIP My Cards works

Three simple steps between you and the smartest way to pay.

1

Add your cards

Tell us which credit cards you already carry — we never ask for full numbers, CVV, or PINs.

2

Enter your purchase

Tap in an amount, category, and merchant right before you pay, online or in person.

3

Get the best card, instantly

We compare your cards' reward rates and tell you exactly which one saves you the most.

Smart categories

Find the best card for any spend

From your morning commute to your next vacation — the right card for every category.

ShoppingGet max rewards on every purchase
TravelFlights & hotels
DiningRestaurants & delivery
FuelPetrol & diesel
EntertainmentMovies & streaming
Bills & UtilitiesElectricity & more
GroceriesDaily essentials
See the difference

See the real value before you pay

Enter what you're about to buy, and get the best card, the exact reward, and the reason why — in real time.

  • Real-time benefit comparison
  • Personalized for your spending
  • Transparent savings breakdown
  • 100% secure & private

Average monthly savings

₹1,240+

CAFE X

Bangalore, India

Recommended Card

10% effective rate

HDFC Regalia Gold

You earn 10% = ₹221.00

You save₹221.00

Other Cards

SBI Cashback Card2% = ₹44.20
Transaction Amount₹2,210.00
Spend smarter, earn better

Spending you can be good at

More Rewards

Unlock reward rates you didn't know your cards already had.

Smart Recommendations

Get the right card for every purchase, calculated in real time.

Better Cashback

Never leave cashback on the table again.

Maximize Benefits

See every perk across every card, side by side.

Smarter Savings

Track how much every recommendation has saved you.

Your privacy, our priority

Your cards, always yours.

We only ever store the minimum required to power a recommendation — never your full card number, CVV, PIN, or one-time password.

Bank-level Security256-bit encryption
No Card Details StoredWe never store your CVV
Secure OTP LoginSafe & seamless access
You're in ControlYour data, your rules

Smarter payments, bigger rewards

Start saving on every payment.

Sign in with your mobile number and get your first recommendation in under a minute.

Get Started Now
100% Secure No card details required

ICICI Bank

Amazon Pay

•••• •••• •••• 3391

VISA

Kotak Bank

League Platinum

•••• •••• •••• 6650

VISA