CheQ’s AI-powered Wisor is changing how people manage their credit cards. Acting as a personal card expert, Wisor analyses each transaction in real time and instantly recommends which card will earn the most rewards, cashback, or perks.
Millions of Indians lose thousands in unclaimed rewards every month because optimizing multiple credit cards manually is a challenge. Wisor eliminates the guesswork. Users can simply ask questions like “Which card should I use for this purchase?” or “Am I close to my milestone reward?” and get instant, accurate answers.
“Wisor is your proactive AI credit twin that analyses your portfolio, alerts you to missed opportunities, and helps you maximise every reward,” says Aditya Soni, Founder and CEO of CheQ.
The platform has evolved from a credit card bill payment app into a complete credit optimization ecosystem where every spend and reward is intelligently managed.
Why it matters:
An average Indian owns two to three credit cards but often uses fewer than two actively. Wisor uses real-time data from linked cards to recommend the best option for each transaction, helping users save between Rs 1,000–5,000 monthly.
Wisor’s Key Capabilities:
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Real-time spend analysis
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Smart card recommendations
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Milestone alerts like “Rs 5,000 more to unlock your bonus”
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Offer tracking and reward conversion
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Hidden credit line detection (coming soon)
In pilot tests, users saw 4x higher engagement and up to Rs 25,000 in annual savings. Built with an agentic RAG-based AI architecture, Wisor delivers hyper-personalized, context-aware recommendations.
With Wisor, CheQ is defining a new category in consumer fintech — the AI Credit Card Expert — making every spend smarter and more rewarding.
