Track, value and redeem credit card rewards, airline miles and hotel points in one place
iPhone expense tracker without bank login
Stage
MVP
Not given
Founded
Not given
Not given
Based in
IN
AM
Pricing model
Free
Freemium
Pricing
Free during early access
Free with optional in-app purchases. Pro available as monthly subscription (renews automatically unless canceled), yearly subscription, or Lifetime one-time purchase. Prices vary by App Store region and local currency. See App Store for current pricing.
Key features
Connect multiple credit cards and loyalty programs securely without storing passwords
Alerts before loyalty points and miles expire
Best card recommendation based on which card earns most for a purchase
Bank-grade encryption for secure connection
Read-only access to loyalty data without storing card details
Calculate point valuations based on real achievable redemptions across programs
Support for major Indian credit card issuers including HDFC, Axis, ICICI, SBI and American Express
Support for major airline and hotel programs including Air India, Singapore Airlines, Marriott and Hilton
Automatic Apple Wallet transaction tracking via iOS Shortcuts automation
Receipt scanning with OCR for merchant, amount, tax and line items
Manual expense entry with categories and search
Multi-currency support across over 15 currencies
Weekly and monthly spending analytics
Budget tracking and savings goals
Subscription renewal tracker with upcoming renewal alerts
Manual loan tracking with payment reminders
Data export in CSV, PDF and XLSX formats (Pro)
Premium AI financial insights and pattern analysis (Pro)
What makes it different
Consolidated view of scattered loyalty points across multiple cards and programs in one dashboard
AI-powered recommendations on which card to use before you spend to earn maximum value
Personalized comparison of redemption options to avoid wasting points on low-value exchanges
AI wallet that understands your rewards and recommends what to do with them, not just tracking
Shows exact point costs before booking flights, hotels and upgrades directly through the app
No bank login required or Plaid integration needed
Captures eligible Apple Pay transactions automatically without reading complete wallet history
Back to the Points
Monetor