Know what your cards did. Know what to do next.

Khata.club turns card rules, statements and community knowledge into clear answers—what you earned, what you missed and which card to use next.

Source-backed rulesVersioned card historyPrivacy-first analysis
Quarterly card reviewJUL—SEP 2026
₹2,180
more value was realistically available
₹1,84,200Total spent
₹7,420Value received
4Actions found
Foo Restaurant
₹4,200 · SBI CASHBACK
Better card found

HSBC Live+ could have earned ₹312 more before reaching its monthly cap.

+ ₹312 availableRule effective 01 Jul 2026
Reward check₹530 potentially missing
01

Did this earn the right rewards?

Compare expected value with what the issuer credited.

02

Which of my cards should I use here?

Account for the merchant, amount, cap and milestone.

03

What changed on my card?

See the effective date, impact and official source.

Versioned card intelligence

Cards change. Your information should keep up.

Every important rule carries an effective date, an official source and a visible history. Old transactions are evaluated against the rules that existed when they happened.

Explore card timelines
12 SEP 2026
Lounge spend requirement changed
Previous-quarter spend threshold introduced for domestic access.
Official source ↗
01 JUL 2026
Utility payments excluded
Accelerated rewards no longer apply to MCC 4900 transactions.
Official source ↗
15 MAR 2026
Fee-waiver threshold revised
Annual milestone moved from ₹1.5 lakh to ₹2 lakh.
Official source ↗
Before you pay

Know the best route.

Compare the cards you own using the merchant, amount, reward cap and milestone that apply right now.

BEST AVAILABLE ₹570
IDFC FIRST Wealth
1.5% estimated value and progress towards the current statement-cycle milestone.
BOB Eterna ≈ ₹285
Tata Neu Infinity ≈ ₹570*
Knowledge that earns trust

Community reported. Source verified.

Members can report a card change, merchant MCC or real reward outcome. Confidence increases only when evidence and independent observations agree.

Community reported Corroborated Verified
Merchant intelligence

Amazon Fresh

MCC 5411 · GROCERY STORES
Verified
97% confidence
148 observations
6 issuers
11 Sep last confirmed

No background data collected.

You choose to send or not send your data each time.

01

Minimum access

No unrelated permissions. The product only asks for the data it genuinely needs.

02

Visible processing

Review extracted transactions before they are used to produce an analysis.

03

Clear control

Delete statements and derived data easily.

Use every card with intent.

Add your cards and see what you earned, what you missed and what to do next.

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