Hi TF Community,
As we all have multiple credit cards, I am quite sure all of us have faced one or another problem while managing our credit card portfolio.
In this post we'll focus on some specific problems and try to solve them.
I have been looking for an app or website for tracking all of my credit card features/benefits and most importantly all transactions at the same place. Its quite hard to always open your old statement pdfs and that old email you received after activation of your card say 5 years back, to check/track any of the above information.
I know there are apps like Cred, which tracks all your credit card transactions, but the only problem with these apps is they track only current billing cycle's transactions. One cannot fetch old billing cycle's transactions.
I have been thinking of building a website which can track all of these details for solving my problems and give an one-click solution for all of them.
I am at a very initial stage of building this website and I am not planning to link it with banks or any third party, so that we can fetch all credit card info and its statement info from the bank's server.
I am planning to make it as an independent website where the user himself initially has to feed all these data, which will be a one time process or monthly (when statement gets generated) and then one can track their transactions.
Any kind of comments, compliments or even criticize are welcomed here.
I'd also expect your ideas, thought, new feature suggestions which can make the website better.
Update: TrackCards ->
trackcards.netlify.app
📨 [Feel free to DM me to contribute or suggest any new feature you'd love to see in TrackCards!]
As we all have multiple credit cards, I am quite sure all of us have faced one or another problem while managing our credit card portfolio.
In this post we'll focus on some specific problems and try to solve them.
- Tracking current anniversary year and or past month spending: Tracking Anniversary year spending for your credit card is important and much required for multiple reasons.
- If you have multiple credit card with annual charges with some waiver criteria and you want to keep an eye on anniversary year spend so that once reaching the waiver limit, you can switch your expenses to another credit card for reaching waiver limit
- If you are waiting for some benefits on your credit card, that gets activated only after a minimum spend in an anniversary year
- If you have a capping of minimum spend in last three calendar month/billing cycle for benefits like lounge access, spa access, free golf access etc
- Tracking all your credit card benefits at one place: Its very important to know what type of benefits you get from your credit card. Otherwise there's no point having multiple credit cards. You wont want to lose out the special benefit that your credit card provides. Sometimes keeping in mind all benefits from all of your credit cards is quite overwhelming. The most confusing part is if you get the same exact benefit from multiple cards but the only difference is capping. So its important for one to know how long you can keep using your card for a particular benefit and the perfect time to switch to another card
- Sometimes you want to know the total rewards you have earned on a particular card since activation
- Sometimes you want to track your past year's annual expenses on a particular card to make a decision on whether closing existing card and applying for a new credit card will be of profit or loss
- Sometimes you want to know instantly your credit card's activation date, billing cycle date, limit and joining/annual fees
I have been looking for an app or website for tracking all of my credit card features/benefits and most importantly all transactions at the same place. Its quite hard to always open your old statement pdfs and that old email you received after activation of your card say 5 years back, to check/track any of the above information.
I know there are apps like Cred, which tracks all your credit card transactions, but the only problem with these apps is they track only current billing cycle's transactions. One cannot fetch old billing cycle's transactions.
I have been thinking of building a website which can track all of these details for solving my problems and give an one-click solution for all of them.
I am at a very initial stage of building this website and I am not planning to link it with banks or any third party, so that we can fetch all credit card info and its statement info from the bank's server.
I am planning to make it as an independent website where the user himself initially has to feed all these data, which will be a one time process or monthly (when statement gets generated) and then one can track their transactions.
Any kind of comments, compliments or even criticize are welcomed here.
I'd also expect your ideas, thought, new feature suggestions which can make the website better.
Update: TrackCards ->
Track Cards
trackcards.netlify.app
TrackCards is live now
🚀 TrackCards — Your All-in-One Credit Card Management App
Take full control of your credit card life. Upload. Track. Optimize. Repeat.🔐 Seamless Onboarding & Setup
- Quick and secure sign-up with email and OTP verification.
- Easily add your cards under the Cards tab to get started.
- Upload your monthly statement PDFs using the Preview & Save flow — start using the full power of TrackCards instantly!
🏠 Your Card Universe — Visually Organized in the Home Tab
- See all your credit cards as image thumbnails under the Home tab — your entire wallet, beautifully displayed.
- Hover over any card image to flip the card and instantly view:
- Key benefits (e.g., cashback, rewards, spend criteria)
- Exclusion categories clearly listed — no surprises later!
- A sleek and interactive way to stay on top of your card features, perks, and limitations — all in one glance.
💳 Complete Portfolio Visibility
- See all your credit cards neatly organized with image previews and bank-wise grouping.
- View all card details like:
- Joining & Annual Charges
- Credit Limit
- Lounge Access
- Approval Date
- Bill Generation Date
- Card Status (Active/Closed)
- Edit the # values to sort display order of the cards
📊 Smart Financial Tracking
- Track total spends across all cards in a financial year — stay under ₹10L to avoid income tax scrutiny.
(Cards tab → “Financial Year Spend” button) - Check lounge eligibility by tracking your spend:
- In last billing cycle
- In last calendar quarter
(Cards tab → “Last N Calendar Month” dropdown → ₹ button)
- Anniversary Spend Tracker— see if you've reached the annual fee waiver limit.
- Review spend for current and past anniversary years.
- Decide whether to retain or close your card based on spend analysis.
(Cards tab → “N Anniversary Year” dropdown → ₹ button)
🎁 Rewards & Benefits Transparency
- View rewards earned for any period — Anniversary Year, or Calendar month wise.
- Three powerful buttons per card:
- ₹ for spend amount
- 🎁 for rewards
- 👁️ to view actual transactions
- Hover over the Annual Charges to see remaining spend required for waiver (or whether it's already waived).
- Hover over ✅/❌ in the Lounge Access column to see card-specific lounge access criteria.
🏦 Bank-Wise Card Insights
- View a list of all banks you hold cards with under the Banks tab.
- Click the 👁️ icon next to a bank to see which cards you hold from them.
📄 Detailed Statement Analysis
- Statement Tab shows:
- Start & End Date of billing cycle
- Usage percentage of credit limit
- Statement bill amount
- Rewards earned per cycle
- 👁️ icon to deep-dive into that statement's transactions
- Manual tracking of redeemed rewards — track real available points accurately.
🔍 Transaction-Level Clarity
- Filter and search transactions by:
- Date range
- Statement month & year
- View essential transaction details:
- Date
- Description
- Type
- Amount
- Rewards
📥 Smooth Statement Upload Process
- Select card → click Upload Statement
- Fill in billing period, bill amount
- Upload password-protected PDFs
- Preview and optionally edit transaction details or rewards before saving
🧠 Key One-Liner Benefits for Quick Grab
- Instantly check anniversary year spend for renewal fee waiver eligibility
- Find any transaction in any statement in just a few clicks
- Snapshot view of all active/inactive cards with critical details at a glance
- Upload password-protected PDF statements with ease
- Tired of using TrackCards? Delete your account with all card, statement, transaction data anytime
(Footer → “Delete Account” button)
✅ Why Credit Card Users Love TrackCards
- No more Excel sheets or guessing past spends.
- Smarter credit card usage = better rewards, fewer fees.
- Intuitive interface, meaningful insights, zero confusion.
🤝 Want to Contribute to TrackCards? Help It Expand!
- Have a credit card that's not yet supported on TrackCards?
- You can contribute to this growing tool by sharing your statement PDF (with sensitive data masked/removed, if needed).
- Help me onboard more cards and make TrackCards smarter for everyone! 🙌
- Currently Supported Cards:
- Amazon Pay ICICI Credit Card
- HPCL Super Saver ICICI Credit Card
- ICICI Coral Credit Card
- ICICI Platinum Chip Credit Card
- ICICI Rubyx Credit Card
- ICICI Sapphiro Credit Card
- Airtel Axis Credit Card
- Axis Atlas Credit Card
- Axis MY Zone Credit Card
- Axis Neo Credit Card
- Axis Privilege Credit Card
- Axis Select Credit Card
- Flipkart Axis Credit Card
- Indian Oil Axis Credit Card
- Zomato RBL Edition Classic Credit Card
- IDFC FIRST Select Credit Card
- HDFC Diners Club Privilege Credit Card
- HDFC Regalia Credit Card
- HDFC Regalia Gold Credit Card
- Marriott Bonvoy HDFC Credit Card
- Swiggy HDFC Credit Card
- Tata Neu Infinity HDFC Credit Card
- Times Titanium HDFC Credit Card
- Ixigo AU Credit Card
- IndusInd Tiger Credit Card
- Standard Chartered Smart Credit Card
- BOB Select Credit Card
- Bank of Baroda Premier Credit Card
- HPCL Bank of Baroda Energie Credit Card
- Snapdeal Bank of Baroda Credit Card
- BPCL SBI Credit Card
- SBI Cashback Credit Card
- SBI Simply Click Credit Card
- Kiwi YES Credit Card
- YES Marquee Credit Card
- YES Rupay Credit Card
- American Express Membership Rewards Credit Card
- American Express Platinum Travel Credit Card
📨 [Feel free to DM me to contribute or suggest any new feature you'd love to see in TrackCards!]
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