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curv.money

credit cards, finally figured out!

Last edited 1 minute ago by Arunava Das

What is curv.money?

Curv is building the definitive credit card management platform. We're solving the complexities of credit card rewards and optimization through intelligent automation, helping users maximize value from every transaction while building the data infrastructure for next-generation credit card recommendations.

Mission

To help people extract maximum value from their credit cards while building better credit habits.

Why build it?

Users find it difficult to compare and choose between credit cards from different banks when applying for a new card.

Platforms like Bankbazzar, Paisabazzar are not a best place to look for credit cards as they spam users and tries to sell credit products that are good for them not the user.

Users finds rewards programs (e.g., points, tiers, limitations) confusing.

Users face challenges in tracking rewards or cashbacks earned.

Users often miss out on rewards, cahbacks for not using the right card.

Users face challenges managing payment due dates, to avoid late fees.

Users find bank portals & apps experience pathetic.

Managing multiple cards from different banks is tidious and takes effort.

Why now?

There’s only a few companies solving for credit card in India such as: - CheQ, INDmoney, Google Pay, PayTM - limited to payment due date reminder & bill payment. - Fold & Cred - gives an overview of credit card balance, utilization, transactions and payment reminder.

Not a single renowned player solving for credit card discovery & management.

According to a PwC report, the no.of credit cards in India is expected to double and reach 200 million by 2028-29 with a CAGR of 15%.

As of March 2024, India had over 10 crore credit cards, which is a record high.

Credit card transaction volumne have grown by 22% while transaction value has surged by 28%.

Launch of UPI on Credit Cards, led to higher % of credit card transactions using cards linked to UPI IDs and leavied MDR upto Rs.2000 giving it a boost by NPCI.

Every other day a new credit card is being launched with a special offering of so called great reward or cashback program, especially Rupay powered cards, and no.of user per card is increasing making it difficult for users to manage.

Who is it for?

User Segment

Description

Card Enthusiasts

Tech-savvy professionals with 3+ credit cards who obsess over maximizing value from each purchase. They actively hunt deals, track rewards in spreadsheets, and participate in credit card communities. Currently frustrated by the manual effort of optimizing multiple cards.

Reward Optimizers

Regular credit card users with 2-3 cards who care about getting the best rewards but hate the complexity. They know they're missing out on points and cashback because they can't keep track of which card is best for each purchase.

Aspiring Maximizers

The credit card newcomers who view cards purely as an EMI payment tool. Typically they're cautious about credit usage and unaware of card benefits beyond EMIs. They often get their first card through pre-approved offers or basic bank relationships.

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User Cases

User Cases

Raju a 22 year old final year student from Tier 1 college, lives alone, tries to save money that he receives from his parents for monthly spends. Uses different apps for cashbacks, knows about credit cards but not sure which card is best for him, currently do not have any cibil score so often gets rejected by banks. He wants a list of cards that he is eligible for and get

Kabir is a 32 year IT professional, every year he plans for 2 trips, one international and one in India. He currently holds 3 credit cards (1 reward card and other 2 cashback cards). Now he needs 30000 points for his domestic trip to get free round trip flights, and tracking

Jethalal 45 years old, runs an electric shop in Gujarat. As a business owner he m

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What are we building?

Feature Name

Description

Sprint

Cards Manager

Reward Point or Cashback Tracker

Dasboard for Rewards earned vs lost

Card Recommendation for each Spends

Set Goals

Card Offers

Personalized Card Strategy

Payment Reminders

Credit Score Checker

Credit Score Healt

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List of features

Add and store all my credit cards

Track my reward points or cashback earned on each transaction made using credit card

Track reward points or cashback lost for not using any credit card or not using the best card in the category

Help choose the best card for maximum reward or cashback.

Set & track financial goals such as hitting 10,000 points on a certain card for a trip or hitting a certain amount of annual spend to get annual fee waived off.

List of all ongoing offers running on my cards with validity and reminder.

Craft personalized credit card strategy by recommending which card to apply, upgrade, or deactivate based on my spends.

Get timely payment reminders

Insights to improve credit score (credit utilization, late payments, too much cibil enquiries)

Contact information of bank incase of any inconvinience

Find credit cards, compare and apply with just a few clicks.

Tap & pay to any merchant

Get updated news about the credit card devaluation, updates or any regulatory changes.