back on everyday
spends
change in user
behaviour
off on joining fees of
any credit card issued
WHAT KEYY DOES
Builds your Perfect Wallet
Keyy curates the 3-5 most suitable credit cards based on multiple parameters to maximise your returns
Most people pick cards offered by bank agents, assumptions or promoted by influencers, but with 800+ cards and complex T&Cs, finding the right set of eligible credit cards to truly maximise benefits is impossible.
Picks the right card
While paying - online or offline, Keyy auto-selects the best card to maximise your returns.
Most users pay with whichever card is handy or the one they assume gives the best rewards without accounting for factors like annual fee waivers, credit score impact, reward caps, etc that impact returns.
Maximises redemption
Maven, Keyy’s AI assistant, guides users on the smartest ways to redeem points that maximise returns.
Most users struggle to track reward points, expiry dates, redemption limits leading to missed benefits and inefficient redemptions without understanding high-value conversion or transfer opportunities.
Your network is your upgrade.
The more you refer, the more you unlock. Move up tiers and access better rewards, higher limits, and smarter benefits.
| Elite Benefits by Tier |
FOYER
|
ATRIUM
|
VAULT
|
|---|---|---|---|
| Upon Sign Up | After 4 Referrals | After 8 Referrals | |
| Cashback on every Credit card issued through Keyy app | 250 | 450 | 1200 |
| Utility Bill Payments (Keyys) On every transaction | 3% | 7% | 15% |
| LLM Limit (Every 24 hours) | 3 Messages | 5 Messages | 7 Messages |
| Card Selection (Daily Limit) | 1 | 2 | 4 |
| Gift Card | Basic Discounts | Basic Discounts | Higher Discounts |
| Unlock LLM & Card Selection (for unlimited time) | 5 Referrals | 6 Referrals | 2 Referrals |
Keyy is
Existing card user
No card holder
Low credit score
All cards, all due dates. Miss nothing.
Total earned. Redeemed. Expiring soon. The full picture – no more guesswork.
Base, accelerated, capped – know exactly where each card works best.
No longer hidden. The fine print, made readable.
Watch your progress in real time. Hit rewards before they lapse.
Wherever you are in the world - know what's yours.
Only the ones that actually matter. No noise.
Flights and hotels - paid in points, not guilt.
Discounted. Instant.
Built to protect your money while
multiplying its value.
Privacy-first architecture
Bank-level security
End to End Encrypted
Earn up to 15% Keyys (1 Keyy = ₹1)
Cable TV
Broadband
Mobile Recharge
Electricity Bill
Credit Card
Cable TV
Broadband
Rental
DTH
Water
Education Fees
e-Challan
Rental
DTH
Awarded ₹12 lakh grant from Indian
School of
Business.
Successfully raised ₹2.25 crore.
Won regional round with a ₹50,000 reward.