Built for smart spenders
Every feature is designed to make sure you never miss a reward or pay more than you should.
Know the right card instantly
Type in a merchant — Swiggy, Amazon, or any petrol pump — and Virel ranks all your cards by reward multiplier for that category. No mental math.
- 🎯 Auto-detects category from merchant name
- 📊 Ranks all your cards by actual reward rate
- ⚡ Quick chips: Swiggy, Amazon, Petrol, Flight…
- 💡 "Better card" badge in your spend log
Your personal finance co-pilot
Ask questions in plain English. Virel uses Gemini 2.0 to answer with your actual card data and spend history.
- 🎤 Voice input — just tap and speak
- 💬 Text input fallback always available
- 📈 Answers based on your real spend data
- 🔒 Personalised — your data stays on-device
Earn coins, win rewards
Every action on Virel earns you coins — daily check-ins, logging spends, completing tasks. Redeem for vouchers and cashback.
- 🪙 Earn coins on every logged spend
- 📅 Daily check-in streak bonuses
- 🎡 Spin the wheel to win vouchers
- 🏆 Milestones unlock bigger rewards
Book smarter, save more
Compare flights, trains, buses, and cab fares across platforms — with card offers and convenience fees shown side-by-side.
- ✈️ Flights: 10+ platforms with offer comparison
- 🚂 Trains: IRCTC, ixigo, RailYatri, and more
- 🚌 Bus: RedBus, Abhibus, IntrCity SmartBus
- 🚖 Cabs: 6 countries, fare estimation, instant booking
Insights that actually matter
See exactly where you missed rewards this month, detect recurring charges you forgot about, and get personalised tips.
- 📊 Missed savings by category + card
- 🔁 Recurring charge detector
- 🎯 Goal tracking with progress bars
- 📥 Auto-import from Gmail or SMS
Everything in one place
Virel brings together 15+ services so you can compare, book, and pay — all while knowing which card to use.
Food Delivery
Compare Swiggy, Zomato, and other platforms. Best card for maximum cashback shown before you order.
Medicines
Order from PharmEasy, 1mg, Netmeds, Apollo, and MedPlus with the right card for health category rewards.
Courier & Shipping
Send packages across India. Compare rates across courier services and pay smart.
Investments
Navigate to Groww, Zerodha, Kuvera, INDmoney, and ET Money — track your portfolio in one dashboard.
Insurance
Compare health and life insurance plans. Best card for insurance payments shown automatically.
LIC Premiums
Track your LIC policy dues and pay using the highest reward card for insurance category.
Home Loan
Track your home loan EMI and tenure. Understand what card to use for pre-payment.
Utilities & Bills
Electricity, DTH, FASTag, LPG, and mobile recharge — with best card shown for utility spend.
Secure Vault
Store card details, insurance docs, and important credentials securely on-device.
Loyalty Points
Track reward points across all your cards in one place. Never let points expire again.
Spend Planning
Set monthly budgets by category. Virel alerts you when you're close to limits.
Subscriptions Hub
See all your monthly subscriptions in one list with optimal card assignment for each.
60+ partner platforms
Virel connects you to India's top apps across every category — all with card-offer context.
IndiGo, Air India, SpiceJet, MakeMyTrip, EaseMyTrip, IRCTC, Akasa Air
Ola, Uber, Rapido, Namma Yatri, Meru
RedBus, Abhibus, IntrCity, Ola Bus
Netflix, Prime Video, Hotstar, Spotify, YouTube, Zee5, SonyLIV
PharmEasy, 1mg, Netmeds, Apollo, Practo, MedPlus
Jio, Airtel, Vi, BSNL
GPay, PhonePe, Paytm, BHIM
Groww, Zerodha, Kuvera, ET Money, INDmoney, Jar, Fi Money
Klook, GetYourGuide, BookMyShow, TripAdvisor, Headout
FASTag, DTH, LPG, Electricity, Airtel, BSNL