Flagship product · Android · Coming September 2026

TIP — Your Finn Mitra

India's first pre-payment card intelligence app. Before every payment, TIP tells you which card to use and exactly how much you save — in under 1.5 seconds.

Join the waitlist

Spending se pehle TIP dekha kya?

What TIP does

Four features. One complete picture.

TIP is designed to answer the questions every multi-card holder has but no app currently answers. It does not track your transactions after the fact — it gives you intelligence before you act.

Feature 01

Pre-payment card recommendation

Select your merchant and amount. TIP evaluates every card you own — cashback rate, active bank offer, milestone gap — and tells you which card wins and by exactly how many rupees. One answer. No ambiguity.

Benefits shown are based on published rates and may vary. Verify with your bank before paying.
Feature 02

Card dashboard and loss tracker

See every card you own — outstanding balance, due date, milestone progress, efficiency score. The loss dashboard shows real rupees you left on the table this month by using the wrong card. Hard to ignore. Easy to fix.

Annualised figures are estimates based on your spend pattern. Actual benefits may differ.
Feature 03

Rewards and Card Efficiency Score

A proprietary 100-point score for every card in your wallet — calculated from fee value, spend alignment, milestone health, and rewards efficiency. Know exactly which cards are earning their keep and which are not.

Points value is approximate. Redemption rates vary by method and may change.
Feature 04

Annualised benefit analysis

12-month projected net benefit for every card after annual fee deduction. See which cards genuinely earn their annual fee and which are costing you more than they return. Make card portfolio decisions with real numbers.

Projections are based on your historical spend pattern and published card benefit rates.
How TIP is different

The only app that intercepts before payment

Every other card tool in India shows you what happened after you spent. TIP is the only product that tells you what to do before the transaction clears.

Feature Other card apps TIP — Your Finn Mitra
Pre-payment card recommendation ✗ Not available ✓ Core feature
Rupee delta — exact saving per transaction ✗ Not available ✓ Shown for every card
Merchant offer evaluation at payment ✗ Not available ✓ Real-time scoring
Annualised card benefit score ✗ Not available ✓ 12-month net projection
Card Efficiency Score /100 ✗ Not available ✓ Proprietary scoring
Opportunity cost — rupees lost this month ✗ Not available ✓ Loss dashboard
Post-transaction tracking ✓ Available ✓ Available
Important to know

What TIP is — and what it is not

TIP is

  • ✓An information service showing card benefit data from public sources
  • ✓A recommendation tool based on published issuer rates
  • ✓A portfolio intelligence dashboard for your own cards
  • ✓A free tool available to all Android users at launch

TIP is not

  • ✗A SEBI-registered financial advisor
  • ✗A guarantee of the benefits shown — always verify with your bank
  • ✗A real-time data feed — benefit data is periodically verified, not live
  • ✗A substitute for reading your card's terms and conditions
Important disclaimer: TIP — Your Finn Mitra provides card benefit information for informational purposes only. Creafin Tech Private Limited makes no guarantee of accuracy, completeness, or timeliness of the information provided. All card benefit data is sourced from publicly available information published by card issuers and may not reflect the most current terms. Benefits are subject to change by the issuing bank without notice. Users are strongly advised to verify all benefits directly with their issuing bank before making any financial decision based on information shown in TIP. Last updated: July 2026.
Coming September 2026

Be among the first to use TIP

TIP launches on Android in September 2026. Join the waitlist and we will notify you the moment it is available.

Join the waitlist