Confidential Portfolio Access Guard

Registered Users Only

Only genuine registered users can add cards, edit personalized credit limits, and record spend transactions. Registration completes with OTP verification on your shared email to safeguard your data.

Perk & Milestone Command Center

Track Fee Waivers, Milestones & Lounge Quotas

Real-time monitoring of calendar quarters vs. spend-based eligibility rules, Amex ₹4 Lakh milestone velocity, Infinia SmartBuy caps, and BookMyShow tickets.

Milestone Value Claimed

Members Only

Active Targets In-Flight

Members Only

Lounge Status

Members Only

Current Quarter End

Dec 31, 2026

Quarterly & Annual Spend Milestones

0 pending targets

No active cards in your wallet

Airport Lounge Quota Engine

Tracks Calendar Quarter resets vs. Spend-Based eligibility criteria

Live Lounge Sentinel

No lounge access cards linked

Annual Fee Waiver Thresholds

Avoid renewal fees by tracking spend pace

No cards with fee waiver tracking

Golf & Movie Voucher Quotas

Resets monthly / quarterly

Fuel Benefits & Surcharge Waiver Radar

All Fuel Pumps in India (BPCL, HPCL, IOCL, Shell)

No fuel cards in wallet

CIBIL Score Shield & Individualized Credit Limits

Every applicant receives a distinct approved limit based on credit bureau score & income. Track live utilization to keep CIBIL 750+.

🎯 Best Practice:Keep Card Utilization Under 30%

Why card limits vary per applicant (e.g., Flipkart Axis Bank) & how PerkIQ solves it:

Banks do not offer fixed credit limits. When applying for co-branded cards like Flipkart Axis Bank, your approved limit (e.g., ₹25,000 vs. ₹3,00,000) is determined dynamically by your CIBIL / Experian score (750+), monthly salary / ITR, and existing credit line exposure.

The PerkIQ Solution: Set your exact sanctioned limit and statement date below. PerkIQ monitors your real-time Credit Utilization Ratio and alerts you when spend crosses 30%, ensuring you never hurt your CIBIL score before the bank reports your statement balance!

No cards with credit limits tracked

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