Everything Virel does
Built for smart spenders
Every feature is designed to make sure you never miss a reward or pay more than you should.
Core feature
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
Best Card for Swiggy
1st
Axis Flipkart
5% cashback
2nd
HDFC Millennia
3% cashback
3rd
SBI SimplySave
1% cashback
Use Axis Flipkart to save ₹75 on ₹1,500 order
Powered by Gemini AI
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
Which card should I use for Amazon today?
Virel AI
Your Amazon Pay ICICI gives 5% cashback on Amazon (Prime members). You've spent ₹8,200 there this month — you're on track for the accelerated 2% tier on other spends too.
How much have I spent on food this month?
Virel AI
₹4,640 on food so far — Swiggy ₹2,800, Zomato ₹1,400, other ₹440. That's 23% of your total spend.
Virel Coins
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
4,250 Virel Coins
Day 1
Day 2
Day 3
Day 4
Day 5
Today
Day 7
🍕 Swiggy ₹100
✈️ MakeMyTrip ₹250
Travel & Cabs
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
✈️ BOM → DEL · 1 Adult
EaseMyTrip
MakeMyTrip
Cleartrip
Smart Screen
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
Recurring Charges Detected
Spotify Premium
₹119 / month
Use HDFC Millennia for 5% back
Netflix
₹649 / month
Use Axis Magnus for 12x rewards
Google One
₹130 / month
Amazon Pay ICICI — 2% cashback