Which card to swipe,
right now?
Ask in plain English. Polo answers with the exact card, the rupee value, and the reasoning. Powered by Claude Sonnet 4. Demo mode runs on HDFC Infinia + Axis Magnus + SBI Cashback — sign in to use your own wallet.
How Polo Brain thinks
Reads your wallet
Pulls every card you own, its reward rate per category, caps, forex markup, and transfer-partner ratios.
Picks by VALUE, not rate
A 4% card with a ₹500 cap loses to a 2% card with no cap on a ₹50K purchase. Polo does that math — and the cashback-vs-transfer-partner math too.
Tells you why
Crisp reasoning, runner-up, warnings if caps apply. No generic copy — every answer cites your specific cards + the specific purchase.
FAQ
›How does Polo Brain pick the right card?
It pulls every card in your wallet, looks at the actual reward rate per spend category, factors in caps + forex markup + welcome-bonus eligibility, then ranks by absolute reward VALUE (not headline rate). Powered by Claude Sonnet 4, the same model that beats every comparison-shopping competitor on nuance.
›Is this just cashback math?
No. Cashback is the lowest-value redemption. Polo Brain accounts for transfer-partner sweet spots (HDFC → Singapore KrisFlyer at 1:1, Marriott Bonvoy at 5:4 from Axis Magnus, etc.) where 1 point = ₹3-6 instead of ₹0.30. That is the real edge.
›Do I need to log in?
Not for the demo — Polo Brain queries against three popular Indian cards (HDFC Infinia, Axis Magnus, SBI Cashback) by default. Once you sign up + add your cards, the engine picks from YOUR wallet. Free tier: 10 queries/day. Pro: unlimited.
›How accurate is Polo Brain?
It cites the same primary sources our editorial does — issuer reward charts updated quarterly, with stale-data flags forcing re-verification. When confidence is low, the result says so. We never make up reward rates.
›What if my exact card is not supported yet?
We currently have full point economics for 17 top India + US cards. The catalog covers 93 cards across both countries — the rest get a basic recommendation but without the transfer-partner depth. Send a request via /contact and we will fast-track new cards.