LabhPay
Privacy-first · Made for Indian credit cards

Understand your credit card bills.

Intelligent financial insights for every statement — hidden charges, recurring subscriptions, smarter rewards. Processed securely, auto-deleted after your session.

HDFC · SBI · ICICI · Axis · Kotak · AU · OneCard · IndusInd · RBL · American Express · Bank of Baroda

HDFCCredit

Outstanding

₹ 48,290

•••• 4218Due 12 Jun
SBI CardCredit

Outstanding

₹ 12,460

•••• 0091Due 03 Jun
OneCardCredit

Outstanding

₹ 27,140

•••• 7733Due 18 Jun

Auto-deleted

Statements vanish from our systems the moment your session ends.

Never used for training

Your financial data is never used to train models, retargeted, or resold.

Built for India

Indian banks, Indian merchants, INR-only, GST-aware insights.

Spending Intelligence

A calm view of every rupee.

Statements normalised across banks. Categories you actually recognise. Trends that explain themselves. No spreadsheets, no jargon, no clutter — just clarity.

This month · HDFC •••• 4218

₹ 48,290

8% vs last month
Where it went5 categories

Shopping

₹ 16,420

Food

₹ 10,612

Travel

₹ 8,690

Groceries

₹ 6,750

Other

₹ 5,818

Swiggy

₹ 4,210

+32%

Amazon

₹ 9,840

-12%

IndiGo

₹ 6,560

+8%

Subscriptions

6

₹ 1,948/mo

Hidden charges

₹ 320

GST + finance

Reward points

2,148

≈ ₹ 537

How it works

Three steps. Then quiet clarity.

You upload. We read. You decide. Statements are processed in memory, encrypted in transit, and auto-deleted when you sign out.

  1. 01

    Upload your statement

    Drop a PDF from any major Indian bank. Password-protected statements are supported — we ask for the password securely.

  2. 02

    Get an honest read

    Transactions normalised, merchants tagged, finance charges and GST surfaced. Insights ranked by what actually matters this month.

  3. 03

    Act in one tap

    Dispute a charge, cancel a subscription, draft a refund email — LabhPay fills in the details for you.

What you’ll see

Insights worth reading. Never more than you need.

Every insight tells you what happened, why it matters, and the one thing to do next. We rank by financial impact — not by how loudly the model can talk.

Hidden charge

₹ 320 in GST on finance charges

You carried a balance into this cycle. Paying in full next month avoids the same charge.

See the charge

Recurring

6 active subscriptions, ₹ 1,948 / month

Netflix, Spotify, Hotstar, iCloud, YouTube Premium and one you may not recognise.

Review subscriptions

Smart recommendation

Use a fuel card for Indian Oil

Your fuel spend is ₹ 4,200/month. A fuel-surcharge-waived card could save ~₹ 1,000 a year.

See the suggestion
Supported issuers

Every major Indian credit card.

HDFCSBI CardICICIAxisKotakAUOneCardIndusIndRBLAmerican ExpressBank of Baroda
Privacy promise

Your statements are processed securely and automatically deleted after your session ends.

No model training on your data. No advertising. No resale. No profiling. Only minimal account metadata persists — the financial details disappear with you.