Quick Start

Credit Card Co-Pilot is designed to ensure you never leave money on the table. By analyzing your unique portfolio of cards against merchant-specific reward rules, the system identifies the optimal card for every transaction.

Follow this guide to set up your profile and get your first recommendation in minutes.

1. Secure Your Account

Start by signing in with your Google account. This securely initializes your encrypted local database and prepares the system for personalized reward calculations.

• Action: Launch the app and tap Sign in with Google.
• Value: This establishes your profile and syncs your basic preferences across the platform.

2. Build Your Digital Wallet

For Co-Pilot to give you accurate advice, it needs to know what’s in your wallet. The app includes a pre-loaded database of popular credit cards and their complex reward structures.

• Action: Navigate to the Cards tab or follow the onboarding prompt to Add Cards.
• Search & Add: Search for your specific card (e.g., "HDFC Regalia Gold" or "Amazon Pay ICICI").
• Customization: You can toggle cards as active/inactive to reflect your current spending strategy.

3. Find Your Best Card

Once your cards are added, you can use the Merchant Search to determine which card to use for an upcoming purchase.

• Action: Tap the Search icon on the Home screen.
• Input Details: Enter the merchant name (e.g., "Starbucks") or select a category (e.g., "Dining").
• The Recommendation: The engine evaluates:
  • Base Reward Rates: Standard points or cashback for the category.
  • Channel Multipliers: Whether you are paying online, via UPI, or at a physical POS.
  • Reward Caps: Ensures you don't use a card where you've already hit the monthly cashback limit.
  • Milestone Proximity: Prioritizes cards where you are close to a spend-based bonus (e.g., "Spend ₹10,000 more to unlock a ₹1,000 voucher").

4. Automate with Transaction Sync

Instead of manual entry, Co-Pilot can automatically track your spending to keep your milestone progress and reward limits up to date.

• Connect Gmail/SMS: Enable the ingestion connectors in your profile settings.
• Parser Review: If the system is unsure about a transaction (e.g., an ambiguous merchant name), you can review and "Accept" it in the Parser Review screen to improve future accuracy.
• Outcome: Your dashboard will now show real-time progress toward milestones like "Annual Fee Waivers" or "Quarterly Bonus Points."

Usage Example: Making a Purchase

Imagine you are at a grocery store. To find the best card:

1. Open the app to the Home tab.
2. Tap Search and select Grocery.
3. Enter the estimated amount (e.g., ₹2,000).
4. The app will rank your cards:
   • Card A (Rank 1): 5% cashback (Special category match).
   • Card B (Rank 2): 2% reward points (Base rate).
5. Select Card A and complete your payment.

Next Steps

• Track Milestones: Visit the Milestones tab to see how close you are to your next big reward.
• Refine Preferences: Set your "Monthly Spend" target in your profile to help the engine forecast milestone achievement.