Compare plans and discover how CardaMon Pro supercharges your credit card portfolio with cap-aware swipe advice, annual fee defense, voucher multipliers, and unlimited card intelligence.
Comprehensive breakdown of all features across Free and Pro tiers
| Features & Capabilities | Free | CardaMon Pro |
|---|---|---|
| 1. Portfolio & Account Limits | ||
|
Credit Cards Tracked
Active credit cards configured in your portfolio
|
Up to 3 Cards | Unlimited Cards 🚀 |
|
Bank & Wallet Accounts
Savings, current & UPI digital wallets
|
✓ Unlimited | ✓ Unlimited |
|
Expense & SMS Transaction Logs
Total automated and manual transactions stored
|
✓ Unlimited | ✓ Unlimited |
| 2. Smart Reward & Fee Intelligence | ||
|
Bank Devaluation & Terms Revision Radar
Real-time alerts when banks adjust reward rates, monthly caps, or exclusions with 1-tap sync preserving your custom merchant rules
|
✓ Live Alerts & 1-Tap Sync | ✓ Live Alerts & Smart Keyword Preserve 🛡️ |
|
1-Tap Notification Auto-Save & Portal Multipliers
Save transactions directly from incoming SMS notifications without opening the app, with SmartBuy/Gyftr portal attribution
|
Manual App Open | ✓ Instant 1-Tap Save ⚡ |
|
Live Notification Reward Radar
Real-time cashback and reward point valuation calculated live right inside every incoming SMS notification
|
— | ✓ Real-time Radar 💎 |
|
Smart Card & Voucher Advisor
Recommends the best card to swipe with Gyftr & SmartBuy up to 16.5% multiplier routes
|
Basic (1%) | ✓ Full Smart Engine |
|
Annual Fee Defense & Renewal Radar
Live spend progress tracking against waiver thresholds & anniversary countdown
|
— | ✓ Active Fee Radar |
|
Milestone Rewards & Voucher Sniper
Spend proximity alerts for Taj hotel stays, free flight tickets & quarterly milestone perks
|
— | ✓ Spend Sniper Active |
|
Airport Lounge Tracker
Quarterly domestic & international lounge quota logs with spend qualification alerts
|
— | ✓ Included |
|
Points Expiry & Lapse Warning
Proactive early warnings before loyalty and reward points expire
|
— | ✓ Smart Alerts |
|
Airline & Hotel Transfer Partner Valuation
Real redemption yields (e.g. up to ₹1.80/pt with Accor, KrisFlyer, Marriott Bonvoy)
|
Standard 1:1 | ✓ Partner Valuation |
| 3. Analytics, Reports & Statements | ||
|
Payment History Trend & Billing Matrices
Interactive repayment trend charts, multi-year billing matrix & annual statement archives
|
Last 3 Months | ✓ 12 Months + Multi-Year Archives 👑 |
|
Interactive Sankey Money Stream
Visual income-to-expense cashflow diagram across cards and merchant categories
|
Standard Charts | ✓ Interactive Sankey |
|
Subscriptions & Bill Cycle Forecaster
Interest-free grace period tracking & 12-month commitment projection
|
— | ✓ Full Forecaster |
|
Password-Protected PDF Bank Statement Import
Directly import encrypted monthly e-statements (HDFC, SBI, ICICI, Axis, Kotak, Amex) with 100% on-device decryption. Zero cloud upload.
|
— | ✓ Decrypt & Import On-Device 🔒 |
|
Bank Statement Import (CSV & Excel)
Zero-effort batch import of bank & credit card statements with smart category prediction
|
✓ Basic CSV Import | ✓ Unlimited CSV/Excel + Dedupe ⚡ |
|
Competitor App Migration (Monefy, Spendee, etc.)
One-click CSV migration from Monefy, Spendee, 1Money, Bluecoins, FinArt, Walnut/Axio, Cashew, and YNAB preserving custom categories and accounts
|
✓ Unlimited Free Migration | ✓ Unlimited Free Migration ✨ |
|
CA & Tax-Ready Financial Year Statements
Export annual statements formatted for Chartered Accountants & tax filing (CSV / PDF)
|
Standard CSV | ✓ FY Formatted + PDF |
| 4. Security, Privacy & Luxury Themes | ||
|
100% On-Device SMS Parser
All SMS messages processed privately on phone without sending bank SMS to any cloud server
|
✓ 100% Private | ✓ 100% Private |
|
Biometric Fingerprint & Face App Lock
Hardware-backed biometric authentication on every app launch
|
✓ Included | ✓ Included |
|
Encrypted Firebase Cloud Sync
Seamless sync across Android phone, tablet, and web dashboard
|
✓ Included | ✓ Included |
|
Luxury Themes
Midnight Obsidian, Champagne Amber & Obsidian Platinum Chrome themes
|
Default Dark | ✓ All Pro Themes |