Orime vs Montra

Orime is the smartest way to manage credit card rewards in India. Most people lose thousands of points every year — to expiry, to using the wrong card, to missing offers. Orime fixes that. WHAT ORIME DOES • Tracks every reward point across all your credit cards in one place • Tells you the best card to use for every purchase, in real time • Alerts you before points expire, before benefits lapse, before fees renew • Surfaces the highest-value redemption — flights, hotels, vouchers, statement credit • Suggests transfer partner bonuses when they're live BUILT FOR INDIAN BANKING • Works with HDFC, Axis, ICICI, SBI, IndusInd, Kotak, AU and more • Tracks SmartBuy, EDGE Rewards, iShop, Rewardz programs natively • Calculates real fee waivers, milestone bonuses, and category caps • GST-aware spend tracking for businesses INTELLIGENT RECOMMENDATIONS • "Use HDFC Infinia for 10x on dining tonight" • "Your 12,000 Magnus points expire in 8 days — transfer to Marriott for 18,000 nights" • "₹5K spend left this month to unlock your fee waiver" TRAVEL & SHOPPING • Search and compare flights, hotels, holiday packages • Pay with points + card combo at the best value • Browse partner store offers (Amazon, Flipkart, Myntra, Swiggy and more) • Book lounge access, travel insurance, and concierge services BILLS, EMI & MORE • Pay credit card, electricity, gas, mobile, broadband bills via BBPS • Track active EMIs and conversion offers • Manage saved billers with autopay reminders • Earn points on every bill payment PRIVACY-FIRST • Bank-grade encryption (AES-256) • Card numbers never stored on our servers • Face ID / Touch ID lock • You control what we see, always Orime is free to download. Premium features may require an active credit card linked to a participating Indian bank. Built in India, for India.

Montra is a clean, private expense tracker built around how you actually get paid. Instead of forcing you into a calendar month, Montra tracks your money based on your salary cycle, so your balance always reflects your real financial month. KEY FEATURES Salary Cycle Tracking Set your salary day and Montra automatically groups transactions into your personal financial month. If your salary lands on the 25th, your month runs from the 25th to the 24th, the way you actually live. Smart Analytics See spending by category with a beautiful donut chart, track daily spending patterns, discover your top category, and monitor your daily average, all powered by Swift Charts. Quick Transaction Entry Add income or expenses in seconds with amount, category, note, date, time, and currency. Choose from 10 expense categories (Restaurants, Coffee, Shopping, Transport, Bills, Entertainment, Education, Health, Groceries, Other) or 4 income categories (Salary, Freelance, Investment, Other). Full Arabic and English Support Complete right-to-left layout and native translations across the entire app. Type numbers using any keyboard, Arabic numerals are automatically normalized. Multi-Currency Track in 10 currencies: SAR, USD, EUR, GBP, AED, KWD, BHD, QAR, OMR, and EGP. Monthly Budget Set your monthly budget and Montra factors it into your available balance for smarter spending decisions. Beautiful Dark Design A carefully crafted dark interface, easy on the eyes and stunning on your device. CSV Export Export all your transactions as CSV whenever you need. Your data is always yours. 100 Percent Private - No accounts - No cloud sync - No analytics - No network calls - All data stays on your device Montra is designed for people who want a simple, honest tool for managing money, without subscriptions, ads, or data collection. Download Montra and start tracking your money the way it actually flows.