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SWYPE

Premium card intelligence

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Dubai skyline at dusk
Thailand bay with cliffs and sunset clouds
Boat moving through Thailand lagoon cliffs
Statue of Liberty under a bright blue sky
Golden Gate Bridge over the bay at sunset
Marina Bay Sands and the waterfront from above
Gardens by the Bay aerial view
Built for Indian cardholders

Know which card to use. Know what your points are worth.

Swype covers 257+ Indian credit cards. Ask Alfi which card earns most for each purchase, see where your points go furthest, and plan redemptions for flights and stays with real numbers attached.

Ask AlfiBrowse all cards

Landmark Routes

Hover to expand. Click the open card to continue into flights with the destination already selected.

Major issuers

Browse 257+ cards across 32+ issuer ecosystems in one place.

HDFC BankSBI CardICICI BankAmerican ExpressAxis BankKotak MahindraIndusInd BankYes BankRBL BankHSBCStandard CharteredIDFC FirstFederal BankBank of BarodaAU Small FinanceHDFC BankSBI CardICICI BankAmerican ExpressAxis BankKotak MahindraIndusInd BankYes BankRBL BankHSBCStandard CharteredIDFC FirstFederal BankBank of BarodaAU Small Finance
Verified sources

10+

Refresh cycle

Daily sync

What we do

One place to manage, compare, and get more from your cards.

Swype brings your card data together so you can make smarter decisions — which card to use, whether your rewards are underperforming, and where your points go furthest.

Alfi
01

Ask an AI that actually checks the card data before it answers.

Alfi queries a structured database of reward rules, annual fees, earn rates, and redemption options in real time — so the answer you get is grounded in actual card logic, not a generic summary.

Part of Swype — card intelligence for Indian cardholders.
Live outcome
24/7

Instant answers backed by real card rules, not vague summaries.

Checks reward rules before answering
Factors annual fees and waivers
Explains transfer value in plain English
Swype
Spend guidance
02

Always know which card earns most for each category.

Dining, groceries, travel, fuel, shopping, and subscriptions — each mapped to the card in your wallet with the highest earn rate or the best instant discount, so you stop guessing at checkout.

Part of Swype — card intelligence for Indian cardholders.
Live outcome
1 view

All your spend categories mapped to the best card in your wallet.

Dining and grocery picks
Travel and booking recommendations
Instant discount and cashback context
Swype
Optimization
03

See what your rewards are actually worth in rupees.

Raw multipliers and reward currencies are converted into practical rupee value — so you can see exactly what your current card setup is earning and where it is quietly underperforming.

Part of Swype — card intelligence for Indian cardholders.
Live outcome
Rs. 18.3k

Potential yearly improvement, shown in actual rupee value.

Turns points into estimated rupee value
Highlights underperforming spend categories
Makes reward upside easy to compare across cards
Swype
Travel redemptions
04

Find the flights and routes where your points go furthest.

Swype surfaces transfer partners and redemption routes with realistic point values attached — so you can plan travel with your actual balances, not aspirational scenarios.

Part of Swype — card intelligence for Indian cardholders.
Live outcome
45k

Miles sweet spots shown as usable routes, with real redemption math.

Shows stronger routes for your balances
Surfaces transfer partner options
Keeps redemption math grounded in real rates
Swype
Card discovery
05

Find cards that fit how you actually spend.

If your current wallet is leaving value on the table, Swype identifies better-fitting cards and explains clearly why each one is worth considering — before you apply.

Part of Swype — card intelligence for Indian cardholders.
Live outcome
97%

Match confidence for cards recommended based on your spend profile.

Recommends cards with clear, specific reasons
Shows where your wallet is losing value
Comparisons grounded in your actual spend
Swype
Portfolio view
06

All your cards, rewards, and offers in one place.

Stop switching between issuer apps and reward portals. Swype gives you a single view of your cards, balances, upcoming bills, and live offers so nothing slips through.

Part of Swype — card intelligence for Indian cardholders.
Live outcome
6 cards

Bills, balances, rewards, and live offers across all your cards.

Cards and rewards in one dashboard
Bill tracking and offer alerts
No more switching between issuer apps
Swype
How it works under the hood

Serious data. Simple answers.

Swype is built on structured card data, not scraped web pages. The intelligence behind Alfi is designed to give you accurate, specific guidance you can act on.

Structured card data

223+ Indian cards, with reward rules you can actually rely on.

Swype maintains a structured catalogue of card features, earn rates, fee tiers, and eligibility — so every recommendation comes from real card logic, not a generic description.

Searches a structured card catalogueCategory earn rates kept currentExplains recommendations with reasons
Explore the platform
Rupee-first calculator

See reward value in rupees, not just multipliers.

Every recommendation shows you the actual payoff — annual fee included — so you can compare cards and categories based on what you will genuinely earn.

Annual fee factored inCategory-level breakdownsWallet-aware comparisons
Explore the platform
Live card context

Current offers and policy changes, not just static data.

Alfi can look up fresh information when needed — so if offer terms have changed or a new redemption option is available, it finds out before answering.

Latest offer termsRedemption rate updatesIssuer policy changes
Explore the platform
Source-aware answers

Every recommendation links back to the rule it came from.

For financial decisions, vague answers are not good enough. Swype traces its guidance back to the specific card rule, fee structure, or policy it used.

Transparent reasoningData-backed summariesNo made-up figures
Explore the platform
Built for everyday use

Quick to check, easy to revisit.

Whether you want a fast spend recommendation or a detailed redemption comparison, the answer is always a question away — no dashboards to build, no settings to configure.

Ask in plain languageResults in secondsNo setup required
Explore the platform
Featured cards

Popular cards from India's top issuers.

Browse cashback, travel, and premium cards from HDFC, ICICI, SBI, Amex, and more. Click any card to see full reward details, earn rates, and whether it fits your spending profile.

HD
Invite only

HDFC Infinia Credit Card (Metal Edition)

HDFC Bank

5 RP per Rs. 150 on ALL spends (incl. insurance, utilities)

Fee
Rs. 12,500 + GST (often waived)
Type
reward points
Unlimited lounge access (domestic + intl)2% forex markup
HD

HDFC Diners Club Black Credit Card

HDFC Bank

5 RP per Rs. 150 on ALL spends

Fee
Rs. 10,000 + GST (waived on Rs. 5L annual spend)
Type
reward points
Amazon PrimeMMT Black
HD

HDFC Regalia Gold Credit Card

HDFC Bank

4 RP per Rs. 150 on ALL categories (incl. insurance, utilities, education)

Fee
Rs. 2,500 + GST
Type
reward points
Swiggy OneMMT Black Gold
HD

HDFC Regalia Credit Card

HDFC Bank

4 RP per Rs. 150 on all spends

Fee
Rs. 2,500 + GST
Type
reward points
Airport lounge accesstravel insurance
HD

HDFC Millennia Credit Card

HDFC Bank

5% cashback at Amazon, Flipkart, Myntra, Swiggy, Zomato, BookMyShow, Cult.fit, Sony LIV, Tata CLiQ, Uber 1% cashback on all other spends

Fee
Rs. 1,000 + GST (waived on Rs. 1L annual spend)
Type
cashback
HD

HDFC MoneyBack+ Credit Card

HDFC Bank

2 RP per Rs. 150 on all retail spends

Fee
Rs. 500 + GST (waived on Rs. 50K annual spend)
Type
reward points
View all 6+ cards
How it works

Three steps to get more from the cards you already carry.

Start with your existing cards, ask Alfi what you need to know, and act on specific recommendations — with actual numbers behind each one.

01

Tell Swype what's in your wallet

Add the cards you carry and how you typically spend each month. Swype uses this to make every recommendation specific to you.

02

Ask Alfi what you need to know

Ask anything: best card for dining, where to redeem miles, whether an annual fee is worth it — and get an answer grounded in your actual cards and spend.

03

Use the right card. Redeem smarter.

Act on a specific recommendation — swap a card for a category, transfer points to a partner, or book a redemption that makes sense for your balance.

FAQ

Questions people usually ask before they trust a new money tool.

Swype should feel clear and welcoming, but also precise enough for real financial decisions. These are the basics most users want answered first.

Alfi has actual tools. It queries a structured database of card fees, reward rules, eligibility criteria, and benefits in real time. When it answers a card question, it is designed to look things up instead of guessing from memory.
The team

Built in India by people who wanted smarter card decisions too.

Swype comes from firsthand frustration with reward programs that are powerful on paper but exhausting to actually use. The product aim is simple: make card strategy feel calm, premium, and genuinely useful.

Designed for Indian cardholders first
Sparsh Khandelwal

Sparsh Khandelwal

Co-Founder & CEO

Ansh Masand

Ansh Masand

Co-Founder & CTO

Ready to start

Start getting more from the cards you already have.

Ask Alfi which card to use, whether your rewards are underperforming, and where your points could take you. No setup required — just ask.

Best first step

Add your cards. Ask your first question. Takes under a minute.

Free to use

Browse cards and ask Alfi without signing up first.

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