Which card
should I swipe?
Ask in plain English or Hinglish. Tapwise checks every card you own, caps, exclusions, live offers, and tells you the one that earns you the most. In two seconds.
Be one of the first to join the waitlist
Web beta is live. The iOS & Android app is next, and waitlist members get it first.
HDFC Swiggy Card
₹85 back · 10%
Specific Swiggy cashback rate · uncapped this month
What Tapwise sees that you don’t
Tracks every monthly and quarterly cap across all your cards. Warns before you hit zero.
Magnus excludes UPI. Most premium cards exclude rent. Tapwise knows. The bank app does not.
HDFC × Myntra 10% off this Sunday. Stacked on top of base rewards, automatically.
Rules turn on at the merchant-category level (MCC 5814 ≠ MCC 5411). No more guessing.
Spending ₹40k/mo on Swiggy without the Swiggy card? We’ll do the math.
Bank cut Magnus benefits overnight. We caught it in 4 hours. You got a heads up.
Why Tapwise gets it right
Every reward rate is checked against the bank's own MITC documents, sourced and timestamped. Stale data is how you quietly lose money.
Conservative numbers, always. We would rather you earn more than we promised than less. Your spend data stays yours.
Built to tell you what to do before you ask: the cap about to run dry, the points about to expire, the card you should be using.
Browse the rewards graph
Or start from where you spend.
Per-merchant rankings. "Best card for Swiggy." "Best card for Amazon." One page per merchant with ranked cards, caps, and exclusions.
Browse merchants CategoriesPer-category rankings. "Best fuel credit card." "Best UPI credit card." Specialist cards surfaced above base-rate fallbacks.
Browse categories ResearchOriginal data on the Indian credit card market. The Reward Index and the Devaluation Report, refreshed daily from Tapwise's full database.
Read researchAsk anything. Get the right card in a sentence.
Amazon Pay ICICI
₹225 back · 5%
Lifetime free + the only 5% on Amazon. Regalia Gold caps at 1.3% here.
HDFC Swiggy Card
₹60 back · 10%
Magnus skips UPI in India. Swiggy card fires the specific 10%.
Axis Magnus
2,100 EM ~₹4,200 · 12%
Direct booking on IndiGo. Each Edge Mile = ₹2 transferred to partners.
Tata Neu Infinity HDFC
120 NeuCoins · ~₹120
Swiggy card is off here, wrong merchant. Tata Neu hits 10% on Zomato.
IndianOil RBL
₹20 back + fuel waiver
Amazon Pay ICICI excludes fuel. IOCL adds the 1% surcharge waiver too.
Skip the card
Save ₹280 vs 1% app fee
Most cards exclude rent + apps charge 1% on top. Direct transfer wins.
Flipkart Axis
₹4,000 back · 5%
No-cost EMI + 5% cashback. The 5% cap resets monthly, you're clear.
Axis Ace
₹22 back · 5%
Cabs eligible · ₹180 of ₹500 monthly cap used, so the 5% counts.
The web beta is the warm-up. The app is the main event.
You answer “which card?” dozens of times a week, right at the counter, on the bus, mid-checkout. That belongs in your pocket, not a browser tab. We are using this beta to learn exactly what earns you the most, then the Tapwise app ships already knowing it.
No other rewards app in India is cap-aware, exclusion-aware, and MCC-aware in one tap. Join the waitlist and you get the app the day it launches, before anyone else.
Open the app, name the merchant, get your card before the machine beeps. No tab, no typing a URL.
A notification the moment a card's cashback cap is about to run dry, so you switch before you lose rewards.
Every card, rule, and exclusion cached on device. It works in any payment queue, signal or not.
Tapwise reads your transaction SMS and emails on-device to learn what you actually spend, so every pick stops guessing and starts knowing.
Read-only access · Transaction messages only · Parsed on your device · Never your PAN, Aadhaar, or full card number.
The average Indian with 2+ cards leaves
₹6,000
in unclaimed rewards per year, wrong card, wrong category, every swipe.
Estimated from RBI Payment Systems Report (FY24) · CIBIL Credit Market Indicator · Bain & Company India Credit Report
Cards from every major Indian bank
90+ cards across the issuers you actually carry.
HDFC Bank13 cards
Axis Bank7 cards
SBI Card11 cards
IDFC First Bank5 cards
Federal Bank3 cards
American Express5 cards
Standard Chartered4 cards
Punjab National Bank1 card
AU Small Finance Bank3 cards
OneCard1 card
Jupiter1 cardHDFC Bank13 cardsAxis Bank7 cardsSBI Card11 cardsIDFC First Bank5 cardsFederal Bank3 cardsAmerican Express5 cardsStandard Chartered4 cardsPunjab National Bank1 cardAU Small Finance Bank3 cardsOneCard1 cardJupiter1 card
ICICI Bank8 cards
Kotak Mahindra Bank7 cards
IndusInd Bank5 cards
YES Bank3 cards
RBL Bank2 cards
HSBC3 cards
Bank of Baroda4 cards
IDBI Bank1 card
Airtel1 card
Slice1 card
Fibe1 cardICICI Bank8 cardsKotak Mahindra Bank7 cardsIndusInd Bank5 cardsYES Bank3 cardsRBL Bank2 cardsHSBC3 cardsBank of Baroda4 cardsIDBI Bank1 cardAirtel1 cardSlice1 cardFibe1 cardMore issuers added every week. Missing yours? Join the waitlist and tell us.