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, GroMo 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 au