A solution of my own problem - how to identify which credit card to use when (if you own multiple credit cards)
I wasn't into credit cards at all. For years, I didn't use them. Then one day my bank RM called and said: "We have a no-fee card with reward points." I was curious, so I took it.
That card was an HDFC Millennia card. Quarterly spend of ₹1L got me a ₹1k voucher. So I started routing my expenses through it. I switched a few jobs, and while opening a new salary account I was offered a new credit card. I also got a few on my own. All free from joining fee or annual fee. so I thought, what am I losing? :)
The Real Problem Started
But here's what I didn't realize: having multiple cards only helped if I actually knew which one to use for each payment.
I didn't. Not really.
I'd pull out a random card at checkout, make the payment, and months later wonder: "Did I earn the best reward on that purchase?" The answer was usually - I don't know.
Each card had different benefits buried in different T&Cs. I couldn't quickly check which one was optimal for groceries vs fuel vs movie tickets vs travel. I was leaving money on the table without even knowing it.
Why I'm Building PaySmarter
So I decided: I'm going to build the tool that tells me the right card to use, right when I need it. AI is here, and people are saying building stuff is easier than earlier, so I decided to try it out.
PaySmarter.in is simple — you add your already owned cards, tell it what you're buying, and it says: use this one. No guessing. No mental math.
It's free, privacy-first (not collecting credit card numbers), and India-focused because that's where this problem is real.
Where I Am Now
I'm building it during generally on weekends. Early stages, but genuine because I'm solving my own problem first.
If you've felt this pain — staring at multiple cards and wondering which one actually pays you best — then you get why I'm building this.
You can give it a try - PaySmarter.in
Let me know what do you think about this!