Cardback is an Indian startup that intends to help debit and credit card users in India identify their best card for every payment they make, and see how much they will save from using that card.

The official Cardback app has recently landed on the Windows Phone Store. All you need to do is indicate how much you're paying, and where. Cardback will save you the trouble of doing complicated calculations and checking out promotions before every payment. This is based on several factors, including how you earn and redeem reward points on your cards, and any running special offers.

The app allows you to optimize rewards, cashback and interest on your cards even if no offers are available. It offers in-depth information about reward points, EMI and cashback schemes, and other deals, offers, discounts and benefits on your cards.


Cardback claims that no information that's irrelevant for the user will be displayed until it is actually needed, and the app is personalized and intelligent. The app detects your location and helps explore places around you. The app works even if you hold just one card, and you can unlock benefits even if no offer is available when you are paying.

The app works for offline stores, restaurants and cafes, petrol pumps, and supermarkets, as well as online services and retailers. The app supports over 600 cards, including credit, debit, prepaid, and loyalty cards from HDFC Bank, ICICI Bank, Kotak Mahindra Bank, Citibank, State Bank of India, Axis Bank, Standard Chartered, American Express, and IndusInd Bank and currently works best in Delhi, Noida, Gurgaon, Faridabad, Mumbai, and Bengaluru.

The app doesn't need your card numbers and personal details, which throws any security worries out of the window. The bank name, card type, and the name of your cards is enough. Give it a whirl, and let us know how you like it.

QR: Cardback