How to use

1The introduction

The app opens on four short chapters. They ask for nothing and can be skipped from the first one. They are worth a minute, because the two in the middle are the claims everything else rests on: there is no internet permission in this app, and everything you enter is encrypted on the phone.

To read them again later: Settings → Read the introduction again.

2Your details, and a lock

1. Settings → Your details

   Your name as the bank prints it, your date of birth, and the card digits if your bank's password uses them. These are the parts every statement password is built from. They are held in Keystore-backed secure storage, never shown back to you in full, and never leave the phone. Skip this step and a locked statement stays locked — you will be asked to type the password yourself.

2. Settings → App lock

   Optional, off by default, and the one switch that matters if someone is holding your phone already unlocked. It puts your fingerprint in front of the whole app.

3Your first card

1. Cards → Add a card

   Or Add a card on the empty Home. Start from a known card and its rate, fee, accelerators and exclusions fill themselves in; you add the last four digits and your own limit.

2. Take the cycle off a statement

   Closes on day and Days to pay drive the cycle view, the outstanding figure and the reminders. Read them off a real statement rather than from memory — once one is imported, the app uses the dates the bank printed instead.

3. Tap a card to see it by itself

   On Cards or Home, a card opens its own page: the bill and when it is due, the year's spend and return, its points, caps and milestones, recent activity, statements and terms. Edit is at the top.

4How the card earns

On the same screen: the base earning, then Add an accelerator or milestone for each category the card pays extra on, any monthly cap on that, and any spend threshold that pays a bonus. If the card charges an annual fee, enter it with its waiver condition — the app will forecast whether you are on track and what per day it now takes.

Under How you redeem, add the channels you actually use and the rate each one is meant to pay. That is the number your own redemptions will later be measured against.

5Spend, by hand or from a PDF

1. The + button → Log a transaction

   Merchant, amount, category, card. The reward is worked out as you type, from the rules you just described.

2. Home → Import statement

   Far faster for a whole month, and up to 20 statements go in at once. The PDF is unlocked with your details, read into rows, and checked against the totals the bank printed. Every row arrives staged with a category and a confidence, and nothing touches the ledger until you commit. HDFC, Axis, ICICI, IndusInd, HSBC, Bank of Baroda, Punjab National Bank, SBI Card, CSB Bank and AU Small Finance Bank are supported.

6Log a redemption

Rewards → Redemptions → Log a redemption. The card, the route, the points spent, and what came back in rupees minus booking fees and taxes. This is the step most trackers skip and the one that makes the numbers honest: from here on your balance is valued at what your redemptions actually returned, not at what the programme says a point is meant to be worth.

7Read the numbers

Home is the year so far, what is due next, and the card worth using right now. Analysis is six lenses on the same ledger — Spend × Rate × Redemption, Spend, Reward rate, Redemption, Merchants and Cycles — with a financial-year stepper at the top and a table behind every chart.

Money left on the table is what you earned against what the best card you already own would have paid on the same spend. It is not a comparison against cards you do not have.

8Keep it

1. Settings → Reminders

   Off by default. Choose how many days before the due date the first reminder lands. Android asks for notification permission at the moment you switch this on, never at launch, and the reminder is scheduled and fired entirely on the phone.

2. Settings → Backup and restore

   One encrypted file, openable only with a passphrase you choose, and the route back from a lost phone. Make one once the ledger has something in it, and again after any month you would not want to re-enter.