You track
everything.
Except your
rewards.
Indian cardholders lose ₹8,000+ in rewards every year by swiping the wrong card. Cusp tells you the optimal card for every purchase — in seconds.[1]
Join as a founding member — free while in early access.
•••• 8832
HDFC Infinia
•••• 4291
HSBC Cashback
•••• 1007
Amex Gold
The Problem
The mental math
nobody talks about
Every time you open your wallet, you're making a decision worth ₹200–₹2,000 in rewards. And almost always getting it wrong.
5+
cards in wallet
Zero clarity at checkout
HDFC, ICICI, Amex, SBI — each with different bonus categories, rotating offers, partner merchants. Nobody can keep track of which card wins where.
₹8,000+
lost per year
Rewards left on the table
The average multi-card holder loses thousands in unrealized rewards annually. That's a round-trip flight. Every single year. This figure is based on internal analysis of Indian credit card reward structures and typical spending patterns across multiple cardholders, accounting for misallocated bonus categories and underutilized redemption options. [<a href="#methodology" className="underline underline-offset-2 text-white/40 hover:text-white/60 transition-colors">[1]</a>]
3 sec
to decide wrong
Gut instinct fails you
You have moments to decide at the billing counter. The math across multiple cards and categories is too complex for mental arithmetic.
How It Works
Three steps. Zero guesswork.
Add your cards
Tell Cusp which cards are in your wallet. We support 25+ popular Indian credit cards with up-to-date reward structures.
Tell us where you're spending
Merchant, category, or amount. Cusp calculates which card earns maximum rewards — in real-time.
Swipe the winner
Use the recommended card. Track your earnings. Watch the points compound month over month.
Features
Precision-built for
reward maximizers
Every feature exists because the mental math is too complex for checkout. Cusp does it in milliseconds.
Smart Calculator
Enter any merchant or category. See exact point breakdowns across all your cards. Know the winner instantly.
Cards Dashboard
Every card, one view. Points balances, reward structures, individual performance — all tracked automatically.
Auto-Logged Activity
Connect your email and Cusp reads your bank transaction alerts. Every purchase logged. Every reward tracked.
Live Offers
Card-specific merchant promotions and partner deals — surfaced when they matter. Never miss a bonus again.
Your Data, Your Rules
Transparent about
everything. Including this.
We're asking for your trust. Here's exactly what we do — and don't do — with your data.
What we access
- Bank transaction alert emails — that's it
- We read the automated emails your bank sends after each purchase to auto-log transactions
- We never read personal emails, attachments, or drafts
What we never touch
- No full card numbers. No CVVs. No PINs
- No banking login credentials — ever
- You only enter the last 4 digits and your card name
- Reward rates come from publicly available data
How we protect it
- Secure authentication through Cusp Auth
- All data encrypted in transit and at rest
- We never sell your data — our business is the product, not your information
Read our full Privacy Policy and Terms of Service.
Founding Members
Get in early. Stay ahead.
Cusp is free during early access — and founding members always get the best rate.
Founding Member
Founding members lock in the lowest rate — always.
- Unlimited reward calculations
- Add all your credit cards
- Auto-log purchases via email
- Running offers & promotions
- Category-wise point breakdowns
- Monthly reward summaries
When Pro launches, founding members get a guaranteed discounted rate for life.
Your rewards are
compounding.
In the wrong direction.
Every day without Cusp is another day of unrealized rewards. Start optimizing.
Methodology
How we arrived at ₹8,000+
The ₹8,000+ annual figure is based on internal analysis of Indian credit card reward structures across major issuers (HDFC, ICICI, SBI, Axis, Amex, HSBC, Kotak, RBL, IndusInd, Yes Bank). The calculation accounts for:
- Misallocated bonus categories: Cards earning 1-1.5% base rewards when a co-branded or category-specific card in the same wallet would earn 3-10%
- Underutilized partner redemptions: Points redeemable at 1.5-2x value via airline/hotel transfer partners, but allowed to expire or redeemed at 0.5x for gift cards
- Rotating offer misalignment: Failing to use cards enrolled in merchant-specific accelerated earning programs (e.g., HDFC SmartBuy, ICICI Amazon Pay offers)
- Cross-card net loss: Across a typical 5-card Indian wallet spending ₹2-3 lakhs annually, the gap between optimal card selection and average behavior
This is a directional estimate for illustrative purposes. Individual results vary based on card ownership, spending patterns, and redemption choices. Cusp exists to close this gap.
Last updated: May 2026