# SaveSage®: Credit Card Points — Credit Card Points and Rewards

> Credit card rewards management, points tracking, and redemption guidance. (iPhone/iPad app by SaveSage Club.)

- Source: https://appshunter.io/ios/app/savesage-credit-card-points/id6736468204 (this page in markdown: same URL + `.md`)
- Developer: [SaveSage Club](https://appshunter.io/developer/1772074355)
- Category: Finance, Utilities
- Price: Free
- Rating: 2.30/5 from 14 App Store ratings · 96 written reviews indexed
- Age rating: 17+
- Requires: iOS 16.0 · 176 MB
- Languages: American English
- Released: 2024-10-07
- Data updated: 2026-09-07
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/savesage-credit-card-points/id6736468204/reviews.md

## What is SaveSage®?

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 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 authorized LSPs.
Lenders facilitated via Prefr and Billcut: L&T Finance, Tata Capital, DMI Finance, Aditya Birla Capital, Poonawalla Fincorp, Stashfin, SMFG India Credit, Easy Platform Services Private Limited,MAS Financial Services

Note: All loan approvals and disbursements are at the sole discretion of the respective NBFCs/Banks listed above. SaveSage does not participate in the lending, repayment collection, or recovery process.

Download SaveSage and make every credit card, reward point, and trip work harder for you.

## Key features

- Credit card management
- Reward points tracking
- AI-powered spending recommendations
- Travel redemption guidance
- Airline and hotel loyalty program integration
- Personalized credit card portfolio analysis

## What do users think of SaveSage®?

Overall sentiment: negative

**Pros**

- 💳 Centralized credit card reward tracking
- 📊 Helps maximize cashback and loyalty points
- 🎯 Smart card recommendations for purchases
- 👍 Clean and intuitive user interface
- 🤝 Responsive and proactive customer support
- 💰 Significant savings achieved by users
- 🎁 Gift card and redemption options
- 📱 Easy credit score checking within app
- ✨ Simplifies complex reward management

**Cons**

- 💸 Expensive subscription with limited free features
- 🔒 Requires full email access for card syncing
- ⏳ Mandatory payment before app evaluation
- 🤖 AI chatbot 'Savvy' provides generic answers
- 🔄 Repetitive suggestions regardless of prompts
- 📧 Gmail-only email connectivity
- ❌ Inaccurate card data display
- 😕 Misleading marketing vs actual functionality
- 🎭 Inflated pricing and discount tactics
- ⚠️ No refund policy despite poor experience
- 🚫 Privacy concerns with data collection

**Commonly reported bugs**

- App stuck on profile completion page
- Endless loading screen on 'Pay Now' button
- Bill payment feature throwing error messages
- App not opening or freezing at startup
- Email auto-fetch failing despite permission granted
- Frequent 'update your details' prompts
- Gift card transactions showing as pending indefinitely
- Video page loop when adding cards
- Latency issues and occasional glitches

**Most requested features**

- Free trial period before paid subscription
- Support for multiple email providers (Outlook, etc.)
- Manual card entry option without email access
- Transparent recommendation algorithm explanation
- Automated reward point updates
- Real-time proactive alerts for reward opportunities
- Account deletion functionality
- Freemium model to test features first
- Better UI/UX design and navigation
- Expert consultation included in basic plan

## Recent user reviews (10 of 96)

All indexed reviews: https://appshunter.io/ios/app/savesage-credit-card-points/id6736468204/reviews.md

### 1/5 — Useless paid app

*2026-08-02*

I purchased this app with lot of expectations, but at the end, I found that this is totally a useless application. It’s AI feature is totally useless. ChatGPT, deep seek, and Gemini gave much much good answers as compared to this app. I tried a lot of different prompts, but every time it gives the same answer, unable to understand my questions. I am totally disappointed and do not recommend this app to anyone. There should be at least one week refund policy.
This app is even not worth free just fill your phone memory.
I am not able to upload screenshots of its answers otherwise i asked it to let me know witch card i have to use for blinkit it give totally wrong answer and its it give wrong figure about saving.

### 5/5 — Platform from confusion to clarity

*2026-07-25*

Everyone on social media recommends the best credit card for a specific spend category. But there are very few platforms that consolidate all your card data, help you maximize rewards, track your points, and guide you on the best way to redeem them.

One platform that does all of this exceptionally well is SaveSage. If you want to get the most value from your credit cards instead of letting reward points go to waste, it’s definitely worth trying out!

### 2/5 — A Not Recommended App

*2026-07-05*

Downloaded SaveSage for credit card rewards management. After OTP login, it immediately pushed me to the membership page. No preview of the interface, features, or dashboard. Couldn’t explore what it offers without paying — feels unfair and pushy. Great concept, poor first experience.

Add On - The app quickly asked for my phone number and OTP right at login, making it feel like they were rushing to collect my contact data before showing any real value. It then pushed me straight to the membership page without any preview of the interface or features. Couldn’t explore anything without paying — very aggressive and off-putting

### 1/5 — No use

*2026-06-20, version 1.0.64*

There is no use of this app completely wasted my money on subscription 😞

### 1/5 — Zero knowledge, overcharged fee

*2026-06-09*

After paying nearly ₹14,000 for the membership, I expected to receive knowledgeable guidance and meaningful insights on credit cards. Unfortunately, my experience has not met those expectations. The representative I interacted with appeared to have limited knowledge of credit cards and, on multiple occasions, provided information that was inaccurate. I had to point out these inaccuracies and explain the correct information, which was concerning given the nature of the service being offered. I joined with the expectation of learning more about the credit card ecosystem, rewards, benefits, and best practices from qualified professionals. Instead, my interactions raised concerns about the accuracy of the guidance being provided and the overall value of the membership. For a premium membership fee, I expected a higher standard of expertise and support. The level of knowledge demonstrated and the incorrect information shared fell short of what was represented and reasonably expected from such a service.

### 1/5 — No international payments support

*2026-05-24, version 1.0.62*

Cant use international credit card. Looks limited to credit whoes registered in india.

### 1/5 — Useless paid app

*2026-05-24*

I purchased this app with lot of expectations, but at the end, I found that this is totally a useless application. It’s AI feature is totally useless. ChatGPT, deep seek, and Gemini gave much much good answers as compared to this app. I tried a lot of different prompts, but every time it gives the same answer, unable to understand my questions. I am totally disappointed and do not recommend this app to anyone. There should be at least one week refund policy.
This app is even not worth free just fill your phone memory.
I am not able to upload screenshots of its answers otherwise i asked it to let me know witch card i have to use for blinkit it give totally wrong answer and its it give wrong figure about saving.

### 1/5 — WORST APP TILL DATE

*2026-04-06*

I purchased the 399 plan with the expectation that SaveSage would genuinely help me manage and optimize my credit cards. Unfortunately, the experience has been very disappointing.
To begin with, the app frequently shows "update your details". The user interface is poorly designed and not intuitive at all. I often struggle to find basic options within the app.
I tried using the "Savvy" feature multiple times by giving different prompts, but it never produced any meaningful results. I'm still waiting for insights or recommendations that were promised. Even after granting email access to fetch my cards automatically, the app failed to do so, forcing me to manually enter card numbers.
Several cards also have a major issue where clicking
"Pay Now" leads to an endless loading screen that never resolves. This makes the app frustrating and unreliable.
The cashback offering also feels misleading.
Overall, I am still unable to understand how this app is "smart" or how it helps me find the best card or use my existing cards more effectively. The suggestions provided are generic and already well-known, offering no real value.
For a paid app, this level of functionality and experience is unacceptable. I would not recommend it in its current state.
The development team can reach out to me if they'd like detailed feedback or clarification on these issues.

**Developer response:** We’re truly sorry to hear you feel that way. We’re a platform dedicated to helping users optimize their credit card rewards and loyalty programs, and we’re constantly working to improve. We’d really like to understand what didn’t work for you and see how we can help. Please write to support@savesage.club, and our team will be happy to assist.

### 1/5 — Downloaded for Cashback, Got ‘Better Luck Next Time’ Instead

*2026-03-31*

I downloaded SaveSage thinking it would help me save money with my credit cards. After paying ₹399 for the subscription, the only thing I successfully saved was a lesson in not paying for random apps again.

This is a paid app with almost zero useful functionality. Instead of recommending cards with actual cashbacks or rewards, the app mostly gives you “Better luck next time” coupons. I didn’t know I paid ₹399 to receive motivational messages about my bad luck.

Honestly, I was expecting:
💳 Smart credit card suggestions
💰 Real cashback deals
📈 Optimization of my spends

What I got instead:
🎟 “Better luck next time”
🤡 A gimmick app experience
📱 UI that looks like it lost its way in 2015

The funniest part is that many other apps do a much better job for FREE, and actually show real cashback opportunities without charging a subscription.

So basically the flow is:
	1.	Pay ₹399
	2.	Open the app
	3.	Get told “Better luck next time”

At this point, SaveSage isn’t a credit card pointer app — it’s a ₹399 life coach teaching you acceptance.

Pro tip: If you want cashback, use literally any other app. If you want someone to tell you “better luck next time”, SaveSage is the premium service for that.

**Developer response:** We’re genuinely sorry that your experience with SaveSage didn’t meet your expectations. SaveSage is built to help users optimise credit card rewards, track benefits, and discover better ways to use their cards. If the recommendations or insights didn’t feel valuable, we completely understand your frustration and appreciate you calling it out.
We’d really like the opportunity to understand your experience better and help you get more value from the app. Please reach out to support@savesage.club, and our team will be happy to assist you further.

### 1/5 — Privacy big issue

*2026-03-14*

I recently downloaded the SevaSage app, and immediately after installation they asked me to upgrade to a paid version, which I did.

However, after upgrading I realized that the app requires full access to my entire email account. This means they can read and view all emails in my inbox, including personal, financial, and confidential communications. Essentially, everything in the email account becomes accessible to them.

If you do not grant them complete email access, they say the app will not function. Alternatively, they suggest creating a separate email ID and forwarding all banking-related emails to that account so they can access them. This raises serious privacy and data security concerns.

Initially, I believed the service would simply track benefits through credit card numbers or transaction summaries, but they clearly stated that they can only calculate benefits if they are given full email access.

Within 10 minutes of realizing this, I contacted the SevaSage team and requested a refund, explaining my privacy concerns. Since then, I have received no proper response to my emails or calls. Instead, I am being given vague excuses and no resolution.

This situation is extremely concerning and gives the impression of unfair practices and possible fraud. I am also surprised that such services are allowed to operate while requesting such intrusive access to users’ personal email accounts.

**Developer response:** We understand your concerns about privacy, and we want to reassure you that at SaveSage, your data security is our top priority. While we do ask for Gmail access to enhance the user experience, it’s completely optional, and you can always skip it and manually add your cards. We are fully committed to protecting your privacy, and we are certified by TAC, ISO, and Google to ensure your data is safe. Please write to us at support@savesage.club, and we’ll look into this on priority and assist you further.

## Frequently asked questions about SaveSage®

### What does SaveSage do?

SaveSage helps you manage all your credit cards and loyalty programs in one app. It tracks your reward points, provides personalized recommendations on which card to use for purchases, and guides you on how to redeem your points for travel and other benefits.

### How does the AI assistant work?

The AI assistant, named Savvy, answers your questions about credit card benefits, loyalty programs, and redemption options. You can ask it which card to use for a specific purchase or how to redeem points for travel, and it provides instant, personalized answers based on real data.

### Is SaveSage free to use?

Based on the provided information, the app is free to use. There are no mentions of subscription fees or in-app purchases for core functionalities.

### What kind of travel can I book with my points?

The app helps you turn your reward points into real travel by showing you personalized redemption options for flight tickets and hotel bookings. It covers a wide range of airlines and hotel brands, detailing the points required, estimated taxes, and fees.

### Can I get help with my credit card portfolio?

Yes, SaveSage offers expert consultation for personalized 1-on-1 assistance. You can book sessions to get a detailed review of your credit cards, advice on which cards to get or discard, and guidance on maximizing rewards and benefits.

## Version history (last 5 releases)

### 1.0.69 — 2026-08-06

Improvements:
UI updates, bug fixes, and performance enhancements for a cleaner and smoother experience.

### 1.0.68 — 2026-08-01

Improvements:
UI updates, bug fixes, and performance enhancements for a cleaner and smoother experience.
New Feature:
User can get personalized personal loan offers facilitated by authorized Lending Service Providers (LSPs) and their RBI-registered lenders through a secure and transparent redirection digital journey.

### 1.0.67 — 2026-07-24

Improvements:
UI updates, bug fixes, and performance enhancements for a cleaner and smoother experience.

### 1.0.66 — 2026-07-12

Improvements:
UI updates, bug fixes, and performance enhancements for a cleaner and smoother experience.

### 1.0.65 — 2026-07-10

Improvements:
UI updates, bug fixes, and performance enhancements for a cleaner and smoother experience.

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-07.*