Rivo: Credit Card Manager & AI Live

Never use the wrong credit card again. Rivo is an AI credit card manager and expense tracker for Indian cardholders — it tells you which card to use before you pay, and catches the rewards, fees and points you're quietly losing. 📲 SCAN & SAVE — THE RIGHT CARD, EVERY TIME Point Rivo at any payment and it instantly recommends the best credit card for that transaction. Groceries, fuel, food delivery, flights, hotels, bills — Rivo knows which card earns you the most cashback, reward points or miles at that merchant, and shows you exactly what you'd earn back. 💳 EVERY CREDIT CARD IN ONE PLACE A complete credit card manager and bill tracker. Rivo reads your bank SMS to track spends, credit card bills, statement cycles and due dates across all your cards — no manual entry. • Due-date and credit card bill reminders before you're charged • Reward points balance, earn rate and expiry across every card • Spend milestones — how close you are to a fee waiver, bonus points or lounge access • Annual fee and renewal alerts, so you never pay for a card that isn't paying you back 🧠 RIO — YOUR AI MONEY COMPANION Rio understands your money. It categorises every expense, spots spending patterns, and flags leakages — minimum balance penalties, duplicate charges, silent subscriptions and hidden fees draining your account. Ask it anything about your spending and get a real answer, not a chart. 📊 EXPENSE TRACKER & MONEY MANAGER Track UPI spends, card spends, bills, EMIs and subscriptions in one dashboard. See where your money actually goes each month, set budgets that reflect how you really spend, and get nudged before anything is due. 📈 KNOW AND GROW YOUR CREDIT SCORE Check your credit score for free and understand exactly what moves it — payment history, credit utilisation, account age, enquiries. Rivo shows you what to fix and helps you raise disputes on wrong or fraudulent entries dragging your score down. 🔒 PRIVACY-FIRST, BY DESIGN Your financial data is yours. Rivo is secured with strong encryption, compliant with India's DPDP Act, and we never sell your data. Permissions are requested only to power features you choose to use: • SMS — to automatically detect transactions, bills and due dates from your bank messages (read-only; we never read personal conversations) • Camera — for Scan & Save at the point of payment • Notifications — for reward, due-date, fee and budget alerts You can review or revoke any permission at any time. WHY RIVO • Best credit card recommended before every payment • Maximise cashback, reward points, miles and lounge access • Catch hidden fees, penalties and forgotten subscriptions • Track expenses, budgets, bills and EMIs automatically • Check your credit score and fix your credit report • Built for Indian credit cards, UPI and Indian banks Spend smarter. Save more. Take control of your money.