Which of my cards should I use? Let Gyanee.ai answer

Most people in India hold three or four cards. One from the bank where the salary lands, one taken for the airport lounge access, one from a shop that offered a discount at the till.

At checkout, almost nobody knows which one to use. So we guess, or we use whichever one is nearest, and quietly leave money behind.

Why it is so hard to keep track

Card offers change every month. They differ by store, by category, sometimes by day of the week. One card gives 5% on groceries, another gives a flat ₹1,500 off on electronics above ₹20,000, a third gives nothing this month but was the best one in June.

Keeping that in your head across four cards and a dozen stores is not realistic. Nobody does it.

Tell Gyanee.ai once

Say which cards you hold and Gyanee.ai will remember. From then on, when you ask about buying something, it only suggests offers you can actually use.

You can just say “I have an HDFC Millennia and an Axis card” in the chat. Or ask directly:

Which of my cards should I use for this?

No more opening your bank’s offers page, scrolling through offers for cards you do not own.

It stays yours

We store the card name only, never numbers. Gyanee.ai will never ask for a card number, a CVV or an OTP, and you should never give those to any assistant. You can see and delete everything Gyanee.ai remembers about you whenever you like, and our privacy policy sets out exactly what is kept.

The saving is bigger than people expect

On a large purchase the card offer is often worth more than the coupon. Using the right card on a ₹60,000 laptop can be a few thousand rupees on its own, which is not a rounding error.

See how it fits with everything else in how to stack a coupon, a card offer and cashback.