Seeking seed investment

Invest in the future of credit card rewards in India.

Card Perks is the rewards companion app for Indian credit cardholders. Bootstrapped and live — now raising to capture the fastest-growing card market in the world.

217+
Cards catalogued
17+
Banks covered
93+
Lounges mapped
25+
Brand offers live
The opportunity

India's credit card market is exploding. Rewards are being left on the table.

100M+ credit cards in circulation, growing 20%+ year-over-year. Yet Indian cardholders collectively forfeit billions in unused rewards, lounge access, and brand offers — simply because the information is buried in bank PDFs and fine print.

01

100M+ cards in India

Credit card penetration is still under 5% of the population. RBI is actively pushing issuance into Tier 2 and Tier 3 cities. The addressable market is massive and growing.

02

Billions left unused

Reward points expire. Lounge visits go untracked. Brand offers are buried in newsletters. Cardholders don't know what they're entitled to.

03

No aggregator exists

Banks show only their own products. Comparison sites earn affiliate commissions. Nobody has built a card-neutral, cardholder-first rewards platform for India.

What we've built

A complete rewards platform, shipped bootstrapped.

Mobile app

iOS + Android

Native apps on both platforms. 200+ cards, real-time lounge data, brand offers, push alerts. Downloaded from App Store and Google Play.

Card library

217 cards catalogued

Every major Indian credit card with structured breakdowns: fees, cashback caps, milestone rewards, lounge limits, pros & cons. Written by humans.

Lounge mapping

93 lounges, 64 cities

Every airport and railway lounge in India. Terminal, floor, gate, direction. Mapped to the cards that grant access at each door.

Brand offers

25+ partner brands

Amazon, Taj, Flipkart, MakeMyTrip and more. Each offer matched to the specific cards that unlock it. Updated weekly.

Security

Phone-only auth

OTP verification. No passwords, no bank credentials, no card numbers collected. Ever. DPDP Act 2023 compliant from day one.

Website

Full web presence

Server-rendered, SEO-optimized website with the complete card library, brand offers, and lounge directory. Pre-populated for instant load.

Traction

Built, shipped, and growing.

Early metrics from a bootstrapped product with zero marketing spend.

217
Cards catalogued
92% of cards in active issuance
17
Banks covered
HDFC, Amex, ICICI, SBI, AU & more
93
Lounges mapped
Airport + railway, 64 cities
25+
Brand offers
Amazon, Taj, Flipkart, Myntra
4.8
App Store rating
Early reviews, organic installs
0
Marketing spend
100% organic to date
Why now

The timing is perfect.

UPI drove card awareness

500M+ Indians now understand digital payments. Credit cards are the next step up for aspirational spenders. UPI was the gateway; credit cards are the destination.

RBI is pushing credit penetration

The regulator is actively encouraging banks to issue cards in Tier 2 and Tier 3 cities. New-to-credit cardholders need guidance the most.

No incumbent in rewards aggregation

BankBazaar, PaisaBazaar, and CRED are either affiliate-driven or transaction-focused. Nobody has built a pure-play, card-neutral rewards companion.

Market size
100M+
credit cards in India
20%+
year-over-year growth
<5%
population penetration
Use of funds

Where your investment goes.

Every rupee allocated to growth. No fluff, no vanity projects.

30%

Engineering

Expand card and brand coverage. Build comparison engine, spend analytics, and smart notifications.

30%

Marketing

User acquisition across social, content, and airport partnerships. First-mover brand recall in the rewards space.

25%

Office & infra

Office setup in Jaipur. Cloud infrastructure scaling. Compliance and legal framework.

15%

Operations

Content team for weekly offer verification. Customer support. Compliance with DPDP Act and RBI guidelines.

The team

Small, sharp, and obsessed with the product.

Based in Jaipur, India. We built and shipped the entire Card Perks platform — mobile apps, web, backend, content — bootstrapped, before asking anyone for money.

Product-first mindset. We don't hire for titles. Everyone ships code, talks to users, and verifies card terms on weekends. The team that built this with zero funding is the team that will 10x it with yours.

Full-stack engineering
In-house
Mobile (iOS + Android)
In-house
Design & UX
In-house
Content & verification
In-house
Cloud & DevOps
AWS Mumbai
Legal & compliance
DPDP-ready
For investors

Let's build the future of
card rewards together.

We're looking for investors who believe consumer fintech in India is still Day 1. Deck, financials, and a demo available on request.

investors@appslio.com →
Appslio Labs LLPJaipur, IndiaDIIN: AAW-4916