Your real spend pattern. The card that matches it.
Paste any HDFC or SBI credit-card statement below. We categorise every transaction, show where your money actually goes, and recommend the cards that maximise rewards for YOUR pattern — not the average user’s. Statement parsing runs entirely in your browser; nothing uploads.
v1 · Paste-the-text mode for HDFC + SBI. Direct PDF upload + OCR + ICICI/Axis/AmEx parsers coming in v2.
Statement never leaves your browser. All parsing runs client-side — we don’t see your transactions, your bank, or your card number. No upload, no server log.
How to extract your statement text
HDFC Bank
- Open your HDFC monthly e-statement PDF.
- Find the “Domestic Transactions” section (usually pages 2–4).
- Select the transaction lines — they look like
12/05/2026 SWIGGY*GAURAV BENGALURU IND 850.00. - Copy + paste into the box above.
SBI Card
- Open your SBI Card monthly e-statement PDF.
- Find the “Transaction Details” section (usually pages 2–5).
- Select transaction lines — they look like
12 May 26 AMAZON IN BENGALURU 1,250.00 D(D = debit, C = credit). - Copy + paste into the box above.
Why client-side parsing matters
CRED uploads statement PDFs to their servers to do the same analysis. Server-side processing means a fintech now has your card number, merchant history, and spend fingerprint — even if they promise not to store it long-term. We parse entirely in your browser: the statement text you paste never leaves the page. We cannot see it; our analytics see only an event-name click, not the transactions.
What the analyser doesn’t do (yet)
- Parse PDF directly — v2 will add pdf.js client-side extraction + Tesseract OCR for scanned PDFs. Today you copy-paste the text manually.
- Support ICICI / Axis / AmEx / Standard Chartered — different issuers use different line shapes. v2 adds those parsers.
- Compute exact reward earned— that needs your CURRENT card’s reward rules. We point you at the best-for-spend guide for your top category; the per-card reward math lives on those pages.
- Save your history — by design, no upload, no save. Each session is a one-time analysis.
Methodology
Auto-categorisation uses heuristic regex on the transaction description, tuned for common Indian merchants (Swiggy / Zomato / BigBasket / IndianOil / MakeMyTrip / Amazon India / Netflix India / etc.). ~85% of transactions in our test sample match a known category; the rest land in “Other”. We don’t do MCC lookup (which would be 100% accurate but requires the card-network database).
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Regulated by Reserve Bank of India.
Credit cards in India are issued by banks and NBFCs licensed by the Reserve Bank of India. Card issuance, credit limit, interest rate (APR), fees, and reward structures are at the sole discretion of the issuer subject to KYC, credit profile, and internal policy. Rates and benefits shown on this page are issuer-published and may change without notice — verify on the issuer's official website before applying.
Risk note: Carrying revolving credit-card balances at typical APRs of 36–48% per annum is one of the most expensive forms of debt in India. Always pay the total amount due, not just the minimum.
InvestingPro is an independent comparison and education platform. We are NOT a SEBI-registered investment advisor, IRDAI-licensed insurance broker, or RBI-licensed lending intermediary. We may earn affiliate commission when you click through to a partner — see how we make money. For personalised advice consult a registered advisor.