Orime vs Monthlio

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.

Monthlio is a fast, private expense tracker that answers one question: what does my month actually cost? Enter your expenses at whatever cadence they bill — weekly groceries, a yearly Prime renewal, a quarterly insurance payment — and Monthlio normalizes everything to a true monthly cost. The dashboard shows your total, a breakdown by category, and what's left after expenses. FEATURES • Monthly total with a donut chart by category. Tap a slice to drill in. • Every cadence normalized: weekly, every two weeks, monthly, quarterly, yearly, one-time. • Income and leftover: set your take-home pay and see how much of it goes to expenses. • Category budgets with green, amber and red progress and an over-budget badge. • Subscriptions view with a cancel toggle and price-increase flags. • Upcoming charges: a 30-day timeline of what hits your account, with optional reminders the day before. • Month history: a bar chart of past months and month-over-month change. • Search and sort your expenses. • Multi-currency with a base currency and your own exchange rates. • Face ID or passcode lock. • iCloud sync between your devices. • CSV export. PRIVATE BY DESIGN No account, no ads, no analytics, no bank linking. Your data stays on your device and in your own iCloud. Monthlio never sees it. Works offline. No subscription required.