Customizing Reward Rules

Tailoring Rewards to Your Spending Habits

While Credit Card Co-Pilot comes pre-loaded with an extensive database of standard card benefits, the real power of the system lies in its ability to adapt to your specific financial profile. The Custom Reward Rules feature allows you to override global defaults with personalized tiers, promotional offers, and merchant-specific bonuses.

By defining custom rules, you ensure the recommendation engine reflects the exact value you receive from your bank, including targeted offers that aren't available to the general public.

Personalized Reward Overrides

Standard card benefits often change based on your spending level or specific relationship with a bank. Use Custom Rewards to align the app's logic with your reality:

• Category-Specific Boosts: If you have a preferred merchant or category (e.g., 5% back on all "Dining" for a specific quarter), you can set a custom rate that takes precedence over the base reward.
• Channel Multipliers: Define specific rewards for different payment methods, such as UPI, Online Shopping, or In-Store (POS) transactions.
• Point Valuation: Customize the pointValue (INR value per point) to reflect how you actually redeem your rewards—whether for high-value air miles or lower-value statement credits.

Managing Promotional Offers

Banks frequently launch limited-time "accelerated" reward programs. Credit Card Co-Pilot allows you to input these manually to ensure the "Best Card" recommendation is always current.

For example, if a card offers a 10x reward multiplier on a specific delivery app for one month, you can configure a custom rule for that merchantKey. The system will automatically prioritize that card for those specific transactions until the promotion ends.

// Example of a Custom Reward configuration
{
  "merchantOverrides": [
    {
      "merchantKey": "amazon_in",
      "effectiveRate": 0.05,
      "description": "Prime Member 5% Cashback"
    }
  ],
  "categoryOverrides": [
    {
      "category": "travel",
      "multiplier": 2.0,
      "cap": 5000
    }
  ]
}

Improving Accuracy with Parser Review

To ensure your custom rules trigger correctly, the system provides a Parser Review interface. This tool solves the problem of "ambiguous" transactions where a merchant might not be immediately recognized.

By reviewing and labeling transactions, you "teach" the co-pilot how to identify your favorite spending spots. Once a merchant is correctly labeled (e.g., mapping "ZOM* 1234" to the "Zomato" merchant key), your custom reward rules will apply instantly and accurately to all future recommendations for that vendor.

Proximity and Milestone Integration

Customizing your rules also enhances the Milestone Tracker. When you define a spend-threshold rule (e.g., "Spend ₹20,000 for a ₹1,000 voucher"), the system begins tracking your progress in real-time.

When you search for a merchant, the recommendation engine doesn't just look at the base cashback; it calculates Milestone Proximity. If using a specific card will push you over a spend threshold to unlock a bonus, that card will be ranked higher, even if its base reward rate is lower than other cards in your wallet.

Summary of Benefits

• Maximum Precision: Recommendations are based on your actual reward tiers, not just market averages.
• Dynamic Flexibility: Easily add or remove rules as bank offers expire or change.
• Strategic Spending: Incorporates "bonus value" from milestones into the daily decision-making process.