u/Illustrious-Clerk

Hi folks, I've been quietly building a credit card rewards tracker on weekends for the better part of a year. It's called RewardEdge, it's an Android app, and I'm finally at the point where it's good enough to put in front of strangers.

The problem it solves

I was using HSBC Live+, Amazon Pay ICICI Prime, and HDFC Tata Neu Infinity at the same time and was tracking my caps in a spreadsheet. Every existing app I tried either wanted to link my bank account (no thanks), or showed flat category rates without actually tracking how close I was to my monthly cap. So I built what I wanted.

The dashboard - total rewards, this month's earnings, and a tip on which card to swipe next. (Demo data.)

What it does

• You log transactions manually - merchant, amount, category, card. Takes maybe 10 seconds.
• It calculates exact rewards from each card's actual T&Cs (cashback, reward points, NeuCoins - whichever applies)
• It tracks caps per billing cycle, not calendar month - I couldn't find a single app that did this, which is half the reason I built it.
• It tells you when you've hit a cap so you stop expecting rewards you won't earn
• 100% offline. No account. No cloud. No bank links. Your data lives on your phone, period.

The reason I built this: live cap tracking on the card itself - 33% of the monthly cap used, per billing cycle, not calendar month.

Cards supported right now (6)

HDFC Tata Neu Infinity, HDFC Regalia Gold, HSBC Live+, SBI Cashback, Amazon Pay ICICI Prime, Amazon Pay ICICI Non-Prime.

I built each one from the card's T&Cs as published when I researched them. Fair warning: banks love revising these quietly, so a config can lag a recent devaluation or rule change - if you spot one that's out of date, let me know

Same ₹40k spend, two very different rewards - the app shows what each payment route earns before you decide.

What I'd love from you

1. Check the rewards. Log a few real transactions, compare what RewardEdge shows vs what your actual statement says. If a number is off by even a rupee, let me know - either in the discord or DM me here.
2. Break it. Edge cases, weird flows, cap-straddling transactions, unusual merchant names. If something crashes or shows nonsense, screenshot it.
3. Tell me which card to add next. I'm one person, I can't do them all, but I'll prioritise based on demand.

Every transaction shows its math - rate applied, cap consumed, and how much cap headroom is left this month.

Real talk on what this is

This is a side project. I have a day job. I built it because I wanted it, and I'm sharing it because maybe a few of you want it too. Honest goal: I'd love this to eventually cover my monthly fuel bill. Right now: just give me your honest feedback.

The honest caveats

• Build expires August 31, 2026. After that you'll need a new build, and your data may or may not migrate cleanly. I'll give as much notice as I can.
• There will be bugs. There always are.
• Some features are deliberately not in alpha (cloud sync, advanced analytics, partner directory, export). I'm focused on getting the core right first.
• Updates will be sporadic. Side project, day job, life.

And when a cap is exhausted, it tells you the truth - 5× accelerated rate, but 0 points remaining this month, so that's what you get.

On analytics (this matters to me)

Analytics is on by default for the alpha, and I want to be upfront about it. I see anonymised stuff: screen views, feature usage, transaction category breakdowns, amount ranges (e.g. "₹100-500"). I do not see card numbers, exact amounts, merchant names, or anything that could identify you or your spending pattern. You can turn it off in onboarding or any time in Settings → Privacy. When the app goes public, this flips to off by default.

How to join (20 spots)

1. Sub rules don't allow links in posts, so the Discord invite is in my Reddit profile - happy to comply with Rule 2
2. Join the Discord and DM me the email of the Google account you use on the Play Store.
3. I'll add you to the tester list and confirm - the Play Store testing link (pinned in Discord and in my profile) only works after your email is on the list
4. Install, log a few real transactions, send me what breaks

The fine print

Not affiliated with any bank. Reward configs are driven by each card's T&Cs as published at the time I built them - banks change these often and without much notice, so numbers can lag reality. This is a tracking aid, not a promise of what your bank will pay: always verify against your actual statement, and don't make spending decisions on the app's numbers alone.

Cheers - looking forward to seeing what you find.

- Orion