Credvert 2.0 Zero-Knowledge SMS Intelligence · DPDP Act 2023 Compliant · India's Smartest Card Advisor Explore →
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Never Leave
Reward Points
On The Table.

Credvert reads every swipe in real-time and tells you exactly which card unlocks the highest cashback, airline miles, or milestone perks — with zero-knowledge security by design.

Optimizing now: Dining at 16.6% Net Return (HDFC Infinia)
Experience Live Advisor
₹8.4Cr+ Rewards Unlocked
45,000+ Active Cardholders
100% On-Device Privacy
5X SmartBuy Reward +₹1,650 on this booking
Bill Due in 8 Days ₹41,850 · 12% Utilization
HDFC BANK METAL
•••• •••• •••• 9842
Cardholder JAY CHAUHAN
Expires 10/29
Jay Chauhan
•••

Authorised signature required. Full PAN and CVV stored exclusively in device hardware Secure Enclave. Zero cloud sync per RBI & India DPDP Act 2023.

24×7 Concierge: 1800 266 3333 CID: 8492
Instant Optimization

Which Card Should You Swipe Right Now?

Select your spend category, set the amount, and watch the advisor rank every card in your wallet by exact reward rate — accounting for portal bonuses, quarterly caps, and forex taxes.

1 Choose Category
Dining
Flights
Hotels
Shopping
Groceries
Fuel
Utilities
Streaming
Rent
2 Monthly Spend Amount
₹15,000 Per Transaction
₹15,000
3 International Payment?
Paying Abroad / Foreign Currency
Deducts forex markup + 18% GST from net return
Best Card To Swipe
Infinia

HDFC Infinia Metal

HDFC Bank · Visa Infinite

₹2,490
Net Reward Value
16.6%
Effective Return
5X SmartBuy accelerated rate yields 16.6% value in 1:1 reward points for flights & hotels.
Alternatives Ranked
DPDP 2023 Compliant

Zero-Knowledge SMS Spend Intelligence

Unlike every legacy finance app, Credvert parses bank alerts 100% locally in device RAM — raw SMS text and full card PANs are strictly forbidden from ever leaving your phone.

1 Pick a Sample Bank Alert
2 Live SMS Text (Local RAM Only)
device_enclave_parser.dart
LIVE
Bank Entity: HDFC Bank
Card Suffix: ending in 9842
Amount: ₹3,450.00
Merchant: ZOMATO
Category: DINING
Reward Accrual: +₹573 (16.6%)
Parse Time: 0.018 ms · Local RAM
SHA-256 Hash: e3b0c44298fc1c14...
DPDP 2023: Raw SMS & full PAN never transmitted
Annual ROI Simulator

Calculate Your Annual Credit Card Profit

Dial in your monthly category spends. The simulator projects annual cashback, milestone vouchers, lounge access savings, and fee waiver thresholds in real-time.

1 Set Your Monthly Spends
Online Shopping ₹15,000
₹15,000
Dining & Delivery ₹8,000
₹8,000
Flights & Travel ₹12,000
₹12,000
Groceries ₹10,000
₹10,000
Fuel ₹4,000
₹4,000
Utility Bills ₹6,000
₹6,000
Estimated Annual Net Gain
₹58,420
After fees · Including milestone bonuses
HDFC Infinia Metal
Annual fee 100% waived
Perks Unlocked
    Card Database

    Explore India's Top Credit Cards

    Real reward structures, lounge rules, fee waiver thresholds, and forex rates — side by side. Select up to 3 cards to compare in a full matrix.

    Compare:
    Live Deals

    Exclusive Cardholder Perks

    Credvert curates verified discount codes and merchant offers updated daily.

    Swiggy / Zomato
    20% Instant Discount on Gourmet Dining

    Valid on HDFC Infinia & Diners Black. Max ₹1,000 discount per bill at partner restaurants.

    INFINIADINE
    Amazon India
    Flat 5% Direct Statement Cashback

    SBI Cashback Card. Auto-credited to statement within 2 days — no coupon required, no merchant restriction.

    AUTO CREDIT
    MakeMyTrip
    5X EDGE Miles + 1:2 KrisFlyer Transfer

    Axis Atlas Card. Convert EDGE Miles directly to Singapore Airlines KrisFlyer or Accor ALL at 1:2 ratio.

    ATLASTICKETS
    BookMyShow
    Buy 1 Get 1 Free Ticket up to ₹750

    ICICI Emeralde Private Metal. Valid twice per calendar month, on weekends. No additional code required.

    ICICIBOGO
    Zero-Knowledge

    Security Architecture That Never Compromises

    Your financial data is protected at every layer — from hardware chip to Indian law.

    Secure Enclave & Keystore

    Card numbers and CVVs are encrypted inside your phone's dedicated hardware security chip (Apple Secure Enclave / Android Keystore). Decryption requires local biometric authentication and never touches any network.

    India DPDP Act 2023 Compliant

    Full compliance with India's Digital Personal Data Protection Act. Raw SMS bodies are strictly forbidden from leaving your device. Only anonymized SHA-256 dedupe hashes are synced for duplicate prevention.

    One-Tap Right to Erasure

    You own your data unconditionally. Tap Delete Account in-app or use our online deletion portal to permanently erase all records within 24 hours — guaranteed.

    Help Center

    Frequently Asked Questions

    How does Credvert pick the best card for my purchase?
    Credvert maintains a real-time catalog of reward multiplier rules including SmartBuy portals (5X–10X), category exclusions (fuel, rent), monthly spend caps, and point redemption values. When you enter a spend, the algorithm calculates precise net financial return — including 18% GST deduction on foreign exchange markup if you're paying abroad.
    Is granting SMS permission safe?
    Yes — Credvert runs an isolated Dart regex parser directly inside your phone's RAM. Full 16-digit card numbers, OTPs, and raw SMS text bodies are strictly discarded by design. Only anonymized spend metadata (amount, merchant, card suffix) is used to compute analytics. No SMS content ever reaches any server.
    How does foreign exchange markup calculation work?
    Most Indian banks charge between 2.0% and 3.5% forex markup, plus 18% GST on that fee (e.g., 3.5% × 1.18 = 4.13% effective total). Credvert deducts this exact amount from your reward rate, so you see true net return. For a card like ICICI Emeralde (1.5% markup = 1.77% effective), international spending is actually profitable over standard cards.
    What about iOS? Apple doesn't allow SMS reading.
    On iOS, Credvert provides a one-tap clipboard paste parser. Copy a bank alert and tap "Parse Clipboard" — the parsing still happens 100% on your device with the same zero-knowledge guarantees. You can also log spends manually with the same category intelligence.
    Can I delete my account and all data permanently?
    Yes, unconditionally. Under the DPDP Act 2023, GDPR and CCPA you have an absolute Right to Erasure. Go to Account → Delete Account in-app, or use our online deletion portal. All records, cards, and anonymized hashes are permanently purged within 24 hours.

    The Right Card.
    Every Checkout.

    Join 45,000+ smart cardholders maximising every swipe with Credvert's intelligence engine.

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