Building the future of credit card management in India
CardWise started with a frustration every Indian cardholder knows too well — juggling multiple cards, due dates, and reward programs across half a dozen banking apps. We set out to bring it all into one secure, beautifully simple place, powered by India's own Account Aggregator framework.
Our mission
To give every Indian effortless, transparent control over their credit cards — turning scattered statements into clear insights, and anxious due-date guesswork into calm, automated peace of mind. No spreadsheets, no surprises, no compromise on privacy.
Our values
The principles behind every decision we make at CardWise.
Security First
Bank-grade encryption and read-only access. We never store your card numbers or move a single rupee — your data stays yours.
User Obsessed
Every screen is shaped by real feedback from Indian cardholders. If a feature does not make your life easier, it does not ship.
Radical Transparency
No hidden fees, no dark patterns, no selling your data. Clear pricing and clear permissions, every step of the way.
Built for India
Designed around UPI, the RBI Account Aggregator framework, and the cards Indians actually carry — not a foreign template.
Milestones so far
From a small idea to thousands of cardholders in control.
- 2023
Founded
CardWise began with a simple idea — make managing multiple credit cards effortless for every Indian.
- 2024
AA Integration
Went live on the RBI Account Aggregator framework, enabling secure, consent-based syncing.
- 2025
70 Banks Onboard
Expanded coverage to 70+ banks and card issuers across the country.
- 2026
10K Users
Crossed 10,000 active users tracking over ₹500Cr in monthly spends.
Meet the team
A small, focused crew obsessed with making money management simpler.
Built on trust & compliance
CardWise connects to your accounts strictly through the RBI-approved Account Aggregator framework — read-only, consent-based, and revocable any time. We follow industry security best practices modelled on ISO 27001 and SOC 2 standards, with end-to-end encryption and no storage of your card credentials.
Ready to take control of your cards?
Explore the best cards for you, or reach out — we would love to hear from you.