PaisaFlow Credit Card Features – Complete Guide – Bala Murali

A comprehensive guide to all credit card features in PaisaFlow, India’s privacy-first expense tracker.

📍 How to Access Credit Card Features

Adding a Credit Card Account

Go to Accounts tab (bottom navigation)
Tap + button
Select Credit Card as account type
Fill in:

Card Name (with autocomplete for 100+ Indian cards)
Billed Amount (current statement balance)
Unbilled Amount (pending transactions)
Billing Date (1-28)
Due Date (1-28)
Credit Limit (optional)
Forex Markup % (optional)

Accessing Power Features

Navigate to Accounts → Select your Credit Card
Look for Power Features section
Tap Settings button (⚡) to configure advanced features
Or tap the “Unlock Card Rewards” prompt if features aren’t configured

🎯 Feature 1: Billed/Unbilled Amount Split

What It Does

Separates your credit card balance into:

Billed Amount: Statement balance (what’s due)
Unbilled Amount: Pending transactions (not yet in statement)

How It Works

When you add transactions, they go to unbilled amount
On billing date, unbilled moves to billed
Payments reduce billed first, then unbilled

Access

Add Account View: Enter separate billed/unbilled amounts
Account Detail View: See breakdown in balance section
Reconciliation: Update both amounts separately

💳 Feature 2: Flexible Payment Options

Payment Types

When paying a credit card bill, choose from:

Option	Description
Full Outstanding	Billed + Unbilled (clears everything)
Billed Amount	Statement balance only
Minimum Due	5% of outstanding or ₹200 (whichever is higher)
Custom Amount	Any amount you choose

How to Pay

Go to Account Detail → Tap Pay Bill
Select payment source (Bank/Cash)
Choose payment type
Amount auto-fills based on selection
Confirm payment

Payment Allocation

Payments are applied in this order:

Billed amount reduced first
Remaining applied to unbilled

💰 Feature 3: Cashback Card Tracking

Configuration

Open credit card → Power Features → Settings
Select Reward Type: Cashback
Configure:

Base Cashback % (fallback rate)
Cashback Credit Policy (when you receive it)
Multi-tier categories (optional)

Multi-Tier Cashback

Create different cashback rates for different spending categories:

Example: HDFC Millennia

Tier	Cashback	Categories	Limits
Online Shopping	2.5%	Amazon, Flipkart	₹1000/month
Dining	2.5%	Swiggy, Zomato	₹1000/month
Default	1%	Everything else	₹750/month

Adding Cashback Tiers

Power Features → Cashback Categories
Tap + to add a tier
Set:

Name
Cashback %
Spending categories it applies to
Monthly/per-transaction caps
Minimum transaction amount

Cashback Estimator

Access: Account Detail → View Cashback
Shows estimated cashback for current billing cycle
Breakdown by tier showing how much earned from each
Previous cycle status (pending/received)

Confirming Cashback Receipt

Open Cashback Estimator
Tap Confirm Cashback Received
Enter actual amount received
Creates transaction reducing your outstanding

⭐ Feature 4: Reward Points Tracking

Configuration

Power Features → Settings
Select Reward Type: Reward Points
Configure base earning rate:

Points per ₹X spent (e.g., 4 points per ₹150)

Set redemption values:

Travel (e.g., ₹0.50/point)
Products (e.g., ₹0.30/point)
Statement Credit (e.g., ₹0.25/point)

Bonus Categories (Multi-Tier)

Create accelerated earning tiers for specific categories:

Example: HDFC Diners Black

Tier	Multiplier	Categories
SmartBuy	33X	HDFC SmartBuy Portal
Travel	5X	Airlines, Hotels
Dining	2X	Restaurants
Default	1X	Everything else

Points Balance Tracking

Account Detail → View Points
Update your actual balance from bank
Track:

Current Balance
Lifetime Earned
Lifetime Redeemed
Expiring Points

Redeeming Points

Points Balance → Redeem Points
Select redemption type (Travel/Products/Statement)
Enter points used and value received
Updates balance automatically

🎯 Feature 5: Spend Milestones & Fee Waiver Tracker

What It Does

Track spending milestones that unlock rewards like:

Bonus Points
Voucher Values
Annual Fee Waiver
Points Boost

Configuration

Power Features → Milestones
Tap + to add milestone
Set:

Name (e.g., “Monthly Spend Target”)
Spend Target (e.g., ₹4,00,000)
Period (Monthly/Quarterly/Yearly)
Reward Type & Value
Excluded Categories (Rent, Wallet loads, etc.)

Example Milestones

Card	Target	Period	Reward
HDFC Infinia	₹4L	Monthly	Fee Waiver
Axis Atlas	₹5L	Yearly	5000 Points
ICICI Sapphiro	₹3L	Quarterly	₹1000 Voucher

Viewing Progress

Account Detail shows milestone progress bars
Percentage complete with remaining amount
Days left in current period
Achievement badge when completed

🚀 Feature 6: Spend Accelerators

What It Does

Track incremental reward boosts that unlock after reaching spend thresholds.

Example: HDFC Diners Black

Base Rate: 3X points
After ₹80,000 spend: 10X points

Configuration

Power Features → Spend Accelerators
Tap + to add accelerator
Set:

Name
Reward Type (Cashback/Points)
Spend Threshold
Base Rate (what you earn before threshold)
Accelerated Rate (what you earn after)
Period (Billing Cycle/Calendar Month/Quarter/Year)
Stacking Mode (how it interacts with tiers)

Category-Specific Accelerators

Accelerators can target specific categories:

Grocery: 5% → 10% after ₹20k grocery spend
Travel: 3X → 5X after ₹1L travel spend per year

Stacking Modes

Mode	Description
Replace All	Accelerated rate replaces all category rates
Stack with Tiers	Category bonuses add on top of accelerated rate
Use Highest	Uses whichever rate is higher

Viewing Progress

Progress bar showing spend toward threshold
Days/transactions until unlock
Gap analysis showing spend needed per day

🎴 Feature 7: Which Card to Use (Reward Optimizer)

What It Does

Tag your cards with “Best For” categories and get a dashboard cheat sheet showing which card to use for each type of spend.

Configuration

Power Features → Settings
Scroll to Best For Categories
Select categories this card is best for:

Online Shopping
Dining
Travel
Fuel
Grocery
Shopping
Entertainment
International
All Spends

Dashboard Widget

Card Cheat Sheet Widget on Dashboard
Tap any category to see recommended card
Shows card name with visual highlight

⏰ Feature 8: Max Credit Period Advisor

What It Does

Calculates your interest-free credit period if you make a purchase today, and advises if waiting could give you more days.

How It’s Calculated

Credit Period = Days until billing + Payment window

Example: Billing 14th, Due 5th
- Today is 15th (day after billing)
- Days to billing: 29 days
- Payment window: 21 days
- Total: 50 days credit!

Where to See It

Credit Card Quick Actions Widget on Dashboard
Account Detail View shows current credit period
Green indicator = good time to buy
Orange indicator = wait X days for better period

Advice Examples

Situation	Advice
Just after billing	“Great timing! 45+ days credit period”
1 week before billing	“Wait 7 days for 25 more days credit”
On billing date	“Perfect time to buy!”

📦 Feature 9: No-Cost EMI Converter

What It Does

Track large purchases converted to EMIs with:

Original amount
EMI amount per month
Tenure (months)
Processing fee
Interest rate (usually 0 for no-cost)
Remaining installments

Adding an EMI

Power Features → Add No-Cost EMI
Enter:

Original Amount
Tenure (3/6/9/12/18/24 months)
Processing Fee (if any)
Merchant Name
Start Date

EMI Tracking

Progress bar showing paid vs remaining
Next EMI date
Total amount payable
Amount already paid

Viewing All EMIs

Account Detail → Active EMIs section
Shows all active EMIs for that card
Monthly EMI outflow summary

🌍 Feature 10: Forex Markup Calculator

What It Does

Calculate the true cost of international transactions including:

Card’s forex markup (e.g., 2% for Infinia, 3.5% for standard)
18% GST on the markup
Cross-currency conversion fees

Configuration

Add Account or Edit Account
Set Forex Markup %
Common values:

HDFC Infinia/Diners Black: 2%
Standard Cards: 3.5%

Using the Calculator

Account Detail → Forex Calculator
Select currency (USD, EUR, GBP, etc.)
Enter foreign amount
See breakdown:

Base amount in INR
Markup amount
GST on markup
Total cost in INR

🔐 Feature 11: Secure Card Vault (Face ID Protected)

What It Does

Store your full card details securely:

Card Number (16 digits)
Cardholder Name
Expiry Date
CVV
ATM PIN (optional)

Security

Keychain Encryption: Data stored in iOS Keychain
Face ID/Touch ID: Required to view vault
Auto-Lock: Vault locks when app backgrounds
No Cloud Sync: Data never leaves device

Adding a Card to Vault

Method 1: From Card Vault

Accounts → Card Vault (lock icon)
Authenticate with Face ID
Tap + to add card
Fill in all details
Select card color

Method 2: From Credit Card Account

Open any credit card account
Scroll to Card Details section
Tap Add Card Details
Card name and bank pre-filled from account
Fill remaining details

Viewing Card Details

Tap on card in vault or account
Authenticate with Face ID
Tap 👁 to reveal card number or CVV
Tap to copy individual fields

Sharing Card Details

Share button generates text with card details
Share via AirDrop, Messages, etc.

🚫 Feature 12: Excluded Categories for Rewards

What It Does

Exclude specific transaction categories from earning any rewards (cashback or points).

Common Exclusions

Rent payments
Wallet loads (Paytm, Amazon Pay)
Insurance premiums
Fuel surcharge transactions
EMI payments

Configuration Levels

Global Exclusions (all rewards)

Power Features → Settings
Find Global Excluded Categories
Select categories to exclude
These earn ZERO rewards on this card

Tier-Level Exclusions

Edit any cashback/bonus tier
Add categories to exclude from that tier only
Transaction falls to next matching tier or base rate

📊 Feature 13: Manual Cycle Adjustment

What It Does

If you started using the app mid-billing-cycle, you can manually add cashback or points earned from transactions before you started tracking.

When to Use

Joined app on 20th, billing cycle started on 1st
Already earned rewards from 1st-19th
Add manual adjustment for that period

How to Use

Cashback/Points Estimator → Add Manual Adjustment
Select cycle (current/previous)
Either:

Enter exact amount known
Use Estimate Calculator to approximate from spend

Estimation Calculator

Enter approximate total spend for period
Optionally break down by category
App estimates rewards based on card’s configured rates

📅 Feature 14: Due Date Reminders

Automatic Notifications

When you add a credit card, the app schedules:

Reminder 3 days before due date
Reminder on due date

Dashboard Indicators

Due date badge on credit card rows
“Due in X days” or “Due today” label
Red highlight when overdue

💹 Feature 15: Credit Utilization

What It Shows

If you’ve set a credit limit, the app shows:

Current utilization percentage
Visual progress bar
Color coding (green → yellow → red)

Viewing

Account Detail → Info section
Shows: Outstanding / Credit Limit = X%

🔄 Feature 16: Account Reconciliation

What It Does

Sync your app balance with your actual bank statement.

Individual Reconciliation

Account Detail → Reconcile
Enter your actual balances:

Billed amount (from statement)
Unbilled amount (from app/online banking)

Choose adjustment mode:

Create Transactions: Creates visible adjustment entries
Balance Only: Silently updates without transactions

Bulk Reconciliation

Accounts → More → Reconcile All
Enter current balances for all accounts
Submit to reconcile all at once

📈 Dashboard Widgets

Credit Cards Quick Actions

Shows top 3 credit cards
Current credit period
Outstanding balance
Days until due

Cashback Dashboard Widget

Total estimated cashback across all cards
Progress for current billing cycle
Tap to see breakdown by card

Reward Points Dashboard Widget

Total points across all reward point cards
Point values in different redemption types
Tap to see per-card breakdown

Card Cheat Sheet Widget

Category buttons (Dining, Travel, Fuel, etc.)
Tap to see which card is best for that category

🔧 Complete Credit Card Setup Workflow

Step 1: Add the Account

Accounts → + → Credit Card
- Enter card name (autocomplete helps)
- Set billing & due dates
- Enter current billed/unbilled amounts
- Set credit limit (optional)

Step 2: Configure Power Features

Account Detail → Power Features → Settings
- Choose Reward Type (Cashback or Points)
- Set base rates
- Add multi-tier categories
- Configure "Best For" categories
- Set forex markup

Step 3: Add Milestones (Optional)

Power Features → Milestones → +
- Set spend targets
- Choose reward type
- Exclude non-qualifying categories

Step 4: Add Spend Accelerators (Optional)

Power Features → Accelerators → +
- Set spend threshold
- Configure accelerated rate

Step 5: Add to Card Vault (Optional)

Account Detail → Card Details → Add Card Details
- Enter full card number
- Add CVV and PIN
- Select card color

📱 Quick Reference

Feature	Access Path
Add Credit Card	Accounts → + → Credit Card
Pay Bill	Account Detail → Pay Bill
View Cashback	Account Detail → View Cashback
View Points	Account Detail → View Points
Configure Rewards	Account Detail → Power Features → Settings
Card Vault	Accounts → 🔒 Card Vault
Add Card Details	Account Detail → Card Details → Add
Forex Calculator	Account Detail → Power Features section
EMI Tracker	Account Detail → Active EMIs
Milestones	Power Features → Milestones
Accelerators	Power Features → Accelerators
Reconcile	Account Detail → Reconcile
Which Card Widget	Dashboard → Card Cheat Sheet

📝 Tips & Best Practices

Set up billing dates correctly – This affects credit period calculations and reminders
Use multi-tier cashback – Maximize tracking accuracy for cards with category-specific rates
Exclude wallet loads – Don’t count rewards on non-qualifying transactions
Update points balance monthly – Sync with your actual bank statement
Use Card Vault – Keep card details handy for online purchases
Check credit period – Time big purchases for maximum interest-free days
Track EMIs – Know your monthly outflow from converted purchases