SaveSage®: Credit Card Points

SaveSage is your all-in-one app for managing credit cards, tracking reward points, monitoring your credit score, paying bills, and getting smarter travel-reward guidance.

Key features:

• Credit Card Management

Manage all your cards in one place and track rewards, benefits, and points easily.

• Personalised Card Recommendations

Get card suggestions based on your lifestyle, spending habits, eligibility, and goals such as cashback, flights, hotel stays, or better value on every purchase.

• Travel on Points

Use your credit card points, airline miles, and hotel loyalty points to book flights and hotels. Compare eligible programs, points required, taxes, fees, and value per point to find the best redemption option.

• Savvy AI Assistant

Get instant guidance on credit cards, points, miles, rewards, and redemptions.

• Expert Consultation

Book 1-on-1 consultations for card portfolio reviews, cards to keep or discard, points redemption support, and loyalty-program management.

• SaveSage Gift Cards

Save across 250+ brands in shopping, dining, travel, electronics, entertainment, groceries, and more.

• Insurance

Explore and purchase Travel Insurance through Care Health Insurance and Personal Accident Insurance through our trusted insurance partner IndusInd. SaveSage facilitates the insurance purchase journey, while insurance policies are issued and serviced by the respective insurance providers in accordance with their policy terms.

• Credit Score via CRIF

Check your credit score through CRIF High Mark directly within the SaveSage app.

Credit score information is provided by CRIF High Mark only after obtaining the user’s consent, in accordance with applicable RBI guidelines.

• Personal Loans via Trusted Partners

SaveSage facilitates access to personal loans through a seamless redirection journey. We collect basic information to check your eligibility and then connect you to our partner platforms, where your application is processed and disbursed by RBI-registered lenders.

Important Disclosure:

SaveSage is NOT a lender. SaveSage acts as a Lead Generator/Digital Platform facilitating loan applications. All loans are sanctioned, approved, and disbursed directly by RBI-registered NBFCs.

Our primary Lending Service Provider (LSP) partners are Prefr and BillCut

Eligibility Criteria:

Age: Minimum 23 years; Maximum 56 years.

Loan Amount: 25000+

Personal Loan Terms & Conditions:

Repayment Tenure: Min 12 months; Max 48 months.

Rate of Interest (ROI): Ranges from 17.99% to 29.99% per annum.

Annual Percentage Rate (APR): Ranges from 18.5% to 36% maximum.

Representative Example:

For a loan amount of ₹1,00,000 borrowed for 12 months at an interest rate of 24% per annum:

Interest Charges: ₹13,472 | Processing Fees : ₹3,000 (+ ₹540 GST) | Monthly EMI: ₹9,456 | Total Cost of Loan: ₹17,012 | Total Amount Repayable: ₹1,17,012 | Effective APR: ~32.8%

Our Lending Partners (Regulated Entities):

SaveSage facilitates access to credit by connecting users with authorized LSPs.

Lenders facilitated via Prefr and Billcut: L&T Finance, Tata Capital, DMI Finance, Aditya Birla Capital, Poonawalla Fincorp, Stashfin, SMFG India Credit, Easy Platform Services Private Limited,MAS Financial Services

Note: All loan approvals and disbursements are at the sole discretion of the respective NBFCs/Banks listed above. SaveSage does not participate in the lending, repayment collection, or recovery process.

Download SaveSage and make every credit card, reward point, and trip work harder for you.