Every card, every reward, and your credit score in one clear view.
Novance AI reads your bank alerts on your own phone, keeps track of the points and bills on each of your cards, and explains your credit report in plain language, in English, Hindi, Kannada, Malayalam, Tamil and Telugu.
Up 41 points in six months
- Rewards Card84,250 ptsending 4471Due in 18 days: ₹42,180
- Travel Card12,040 ptsending 9903Due in 22 days: ₹6,740
- Cashback Card51,300 ptsending 2216Paid
See it in the app
Real screens from Novance AI, shown with sample data.
Sample data. Card names belong to their owners; Novance AI is not affiliated with them.
How it works
You are in control of what the app can see, and you can change your mind at any time.
Sign in with your mobile number
We send a one-time code by SMS. There is no password to remember.
Choose what to allow
Reading bank alerts and fetching your credit report are separate, optional choices. Switch either off in Settings whenever you like.
See it all, and ask
Your cards, spending and credit score appear in one place, and the assistant answers questions about your own figures.
What you get
Built for people who hold more than one card and would rather not keep it all in their head.
- Rewards and due dates
- The points on each card, the amount due, and when, so a bill never surprises you.
- Spending by category
- See where your money goes, from the transaction alerts your bank already sends.
- Credit score and report
- Your Experian score, your accounts and enquiries, and what is helping or hurting, explained simply. Fetched only when you ask.
- An assistant that knows your numbers
- Ask “How much did I spend on dining?” and get an answer from your own data. It is information, not financial advice.
- Card suggestions
- Ideas for cards that may suit how you spend. We receive no commission from card issuers.
- Six languages
- English, Hindi, Kannada, Malayalam, Tamil and Telugu.
Free to start. Premium when you want more.
Everything you need to keep track of your cards is free. Premium adds the assistant without limits and the deeper credit analysis.
Free
No payment, no time limit
- Your cards, rewards points and due dates
- Transactions from bank alerts, and spending by category
- Goals, debts and loyalty accounts
- Your credit score and band, and your first credit report
- 3 answers from the assistant
Premium
₹149 a month, or ₹1,499 a year
- Unlimited answers from the assistant
- Refresh your credit report, once every 30 days
- Full credit insights: the factors behind your score, and an action plan
- Card suggestions that may suit how you spend
Premium is billed by Google Play. You can cancel at any time in Google Play, and you keep Premium until the end of the period you have paid for.
Your data stays yours
Money is personal. Here is exactly what we do, in plain words.
- Bank alerts are read on your phone. Only the details we need (the card’s last four digits, the merchant, the amount and the date) are sent to us, never the text of your messages.
- Your credit report is fetched only when you ask, and no more than once in 30 days.
- No ads, and we do not sell your data. It is shared only with the services that run the app, which the Privacy Policy lists by name.
- Delete everything, any time, in the app or on our account deletion page, even if you no longer have the app installed.