Spearn helps you pick the right credit card for each purchase, track the points you earn, and put them toward what you buy next.
Pick cards you hold or explore our sample catalogue of Indian cards.
Log merchant, amount and category. We estimate the points each card earns.
Before a big purchase, see which card returns the most — then simulate redemptions.
Ranked by estimated annual value after fees, based on your spending.
Points, ₹ value, monthly earnings and spending by category.
Compare cards for flights, hotels, phones and more before you pay.
Flights, vouchers, electronics and dining — simulated with your balance.