You track
everything.
Except your
rewards.
Every card earns in its own language: points, miles, cashback, or partner benefits. Cusp shows what each card earns for a purchase without forcing unlike rewards into one rupee estimate.
Join as a founding member — free while in early access.
•••• 8832
HDFC Infinia
•••• 4291
HSBC Cashback
•••• 1007
Amex Gold
The Problem
The mental math
nobody talks about
Every time you open your wallet, you are comparing reward systems that were never designed to be added together.
5+
cards in wallet
Zero clarity at checkout
HDFC, ICICI, Amex, SBI — each with different bonus categories, rotating offers, partner merchants. Nobody can keep track of which card wins where.
Different
reward currencies
No honest common denominator
EDGE Points, NeuCoins, airline miles, hotel points, and cashback have different rules. Treating them as one rupee figure creates false precision.
3 sec
to decide wrong
Gut instinct fails you
You have moments to decide at the billing counter. The math across multiple cards and categories is too complex for mental arithmetic.
How It Works
Three steps. Zero guesswork.
Add your cards
Tell Cusp which cards are in your wallet. We support 25+ popular Indian credit cards with up-to-date reward structures.
Tell us where you're spending
Merchant, category, or amount. Cusp calculates which card earns maximum rewards — in real-time.
Swipe the winner
Use the recommended card. Track your earnings. Watch the points compound month over month.
Features
Precision-built for
reward maximizers
Every feature exists because the mental math is too complex for checkout. Cusp does it in milliseconds.
Smart Calculator
Enter any merchant or category. See exact point breakdowns across all your cards. Know the winner instantly.
Cards Dashboard
Every card, one view. Points balances, reward structures, individual performance — all tracked automatically.
Auto-Logged Activity
Connect your email and Cusp reads your bank transaction alerts. Every purchase logged. Every reward tracked.
Live Offers
Card-specific merchant promotions and partner deals — surfaced when they matter. Never miss a bonus again.
Your Data, Your Rules
Transparent about
everything. Including this.
We're asking for your trust. Here's exactly what we do — and don't do — with your data.
What we access
- Bank transaction alert emails — that's it
- We read the automated emails your bank sends after each purchase to auto-log transactions
- We never read personal emails, attachments, or drafts
What we never touch
- No full card numbers. No CVVs. No PINs
- No banking login credentials — ever
- You only enter the last 4 digits and your card name
- Reward rates come from publicly available data
How we protect it
- Secure authentication through Cusp Auth
- All data encrypted in transit and at rest
- We never sell your data — our business is the product, not your information
Read our full Privacy Policy and Terms of Service.
Founding Members
Get in early. Stay ahead.
Cusp is free during early access — and founding members always get the best rate.
Founding Member
Founding members lock in the lowest rate — always.
- Unlimited reward calculations
- Add all your credit cards
- Auto-log purchases via email
- Running offers & promotions
- Category-wise point breakdowns
- Monthly reward summaries
When Pro launches, founding members get a guaranteed discounted rate for life.
Your rewards are
compounding.
In the wrong direction.
Every day without Cusp is another day of unrealized rewards. Start optimizing.
Reward methodology
Compare the earning, not an invented conversion
Cusp keeps every card's rewards in the unit issued by that card. HDFC Reward Points remain HDFC Reward Points, NeuCoins remain NeuCoins, and airline miles remain miles.
- Point earnings are shown as the number of named points earned for the purchase.
- Cashback is shown as cashback in its issued currency.
- Vouchers and partner benefits remain descriptive benefits, not estimated cash.
- Cards with unlike reward currencies are displayed side by side without a global winner.
This avoids false precision and lets you decide which reward currency matters for your own redemption goals.