52+ credit cards supported

Stop leaving rewards on the table.

Most people use the wrong card for every purchase — missing thousands in cashback and points. Cardence tells you exactly which card to swipe, every time.

52+

Cards supported

10+

Spend categories

< 10s

To find the best card

C

Cardence

Ask · Smart recommendations

How it works

Three steps. Ten seconds.

01

Add your cards

Pick from 52+ credit cards. No card numbers, no CVV — just select which ones you hold.

02

Ask anything

Tell us what you're buying — groceries, flights, fuel, online shopping — in plain English.

03

Get the best pick

AI instantly analyzes reward rates, cashback caps, portal offers and tells you exactly which card to use.

Why Cardence

Built to maximize every purchase.

Understands every card

Reward points, cashback, miles, portal multipliers, spend caps — all factored in for your exact transaction.

Deep card knowledge

HDFC SmartBuy, Axis Travel EDGE, ICICI Amazon Pay, SBI BPCL, Amex MR — we know every card benefit inside out.

Privacy first

We never ask for card numbers, CVVs or account details. Your financial data stays yours.

Coverage

All the cards you love, covered.

From everyday cashback cards to premium travel cards — if you have it, Cardence knows it.

HDFC BankAxis BankICICI BankSBI CardAmexKotak BankIDFC FIRSTAU BankFederal BankIndusIndYes BankHSBCStandard CharteredRBL BankOneCardBOB+ more
The average Indian misses ₹12,000+ in rewards every year

Every wrong swipe costs you money.

That ₹60,000 TV, the business-class ticket, the monthly grocery run — with the wrong card, you're handing back thousands in rewards. Cardence makes sure that never happens again.

No card numbers. No CVV. Ever.