CardQ - Know which card to use

Stop second-guessing which card to swipe.

CardQ solves one specific problem: when you're about to make a payment and you have multiple credit cards, which one should you use?

The answer depends on two things — which card has the most days left before its statement is generated (more free credit days for you), and which card has the least amount used (lower utilisation). CardQ calculates this instantly and puts the best card right at the top.

— WHAT CARDQ DOES —

✦ Best card recommendation — CardQ scores all your cards and shows you the optimal one to use right now, with the reason explained in plain numbers.

✦ Statement countdown — See exactly how many days remain before each card's billing cycle closes. More days = more time to use money for free.

✦ Utilisation tracker — Know how much of each card's limit is used. Lower utilisation = better credit score.

✦ Payment due alerts — Never miss a bill. CardQ sends you a notification when any card's payment is due within 7 days.

✦ Transaction log — Quickly log spends and payments. CardQ automatically updates each card's used balance.

✦ Balance sync — Manually correct any card's balance in one tap whenever you need.

— BUILT DIFFERENT —

Most card apps want you to track every rupee, set budgets, analyse spending patterns, and view charts. CardQ doesn't do any of that. It does one thing: tells you which card to use right now.

No bank login required. No OTP. No permissions except notifications.
Everything is stored locally on your device. Nothing is shared with any server.

— WHO IT'S FOR —

CardQ is for anyone who carries 2 or more credit cards and has felt the small but real friction of choosing the right one at checkout. If you've ever opened 3 bank apps just to compare billing dates, CardQ is built for you.

— PRIVACY —

All data stays on your device. CardQ has no servers, no analytics, no ads, and no tracking of any kind.

Built by UtillyHub — tools that solve real problems.