Track, value and redeem credit card rewards, airline miles and hotel points in one place
Stage
Not given
MVP
Founded
Not given
Not given
Based in
US
IN
Pricing model
Freemium
Free
Pricing
Free: $0/month. Pro: $99.00/year ($8.25/month when billed yearly) or $12.99/month when billed monthly. Eligible U.S. App Store subscribers get 14 days free trial, then $99.00/year.
Free during early access
Key features
Zero-based budgeting method
Manual transaction tracking
Intelligent recommendations for tracking
Recurring line items
Search across transactions and budget items
Export to CSV or XLSX
Cross-device sync
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
What makes it different
Built on simplicity by design, avoiding bloated features most people don't use
Free plan includes core budgeting without paid features
Works seamlessly across iOS, iPad, and web with real-time sync
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
OnTrack Money
Back to the Points