Confusing terms
MAD, MITC, finance charges, revolving credit. The statement speaks a language nobody taught you.
AISHA - your Credit Card Coach
Understand your credit card. Become debt-free faster.
Upload your statement , then get a payoff plan , then stay on track.
- Free payoff calculator
- First card read free
- Built for Indian cards
Free trial on the web, no sign-up, and it won’t remember you. Download the Aarambha app to save up to 3 cards and track your progress month by month.
The credit card problem
Credit cards are easy to use and hard to understand.
Nobody explains how the bill works. So most of us pay the minimum, hope for the best, and pay far more than we borrowed.
Hidden fees and charges
Late fees, over-limit fees, forex markups, and 18% GST on top of interest and fees. They add up quietly.
Minimum payments = debt trap
₹1 lakh at 3.75% a month, paying only the minimum, takes more than 21 years to clear and costs nearly ₹3 lakh in interest and GST.
21+years to clear ₹1 lakh
No clear payoff strategy
Two cards, one salary. Which card first, and how much on each? Without a plan, most people spread money thin and guess.
People overpay interest
3.75% a month is 45% a year. Once you carry a balance, the interest-free period is gone, so even new purchases start costing interest.
How it works
From confusing bill to clear plan, in four steps.
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Upload your statement
AISHA reads the numbers and the fine print, and explains every charge in plain words.
First card free on the web -
Set your budget and pace
Tell the Coach what you can put towards your cards each month, and how fast you want out.
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Get your payoff plan
Which card to pay first, how much each month, and the month you'll be debt-free.
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Track every month
Add each new statement and watch the balance fall, the fees disappear and the date come closer.
With Pro in the app
Drop in your statement or card terms
Screenshots of the pages, or a PDF up to 10 MB (password-protected works too). Your first card is free, right here on the web.
Your file is read once to pull out the numbers. We save the numbers, not the file.
What you get
A plan you can see, terms you can read, progress you can feel.
Your payoff plan
Example₹1 lakh at 3.75% a month, paying ₹10,000 a month.
Debt-freeIn 14 months
Interest saved₹2.6L
Monthly₹10,000
Minimum only21 yrs 8 mo
Your plan14 months
Interest and GST: ₹2,96,759 on the minimum, ₹34,998 on the plan.
Terms decoded
ExampleYour card's fine print, one line at a time.
Interest rate
3.75%a month
What it means: 45% a year on any amount you don't pay in full.
Interest-free period
What it means: it's gone the moment you pay less than the full bill, and new spends start costing interest.
Cash withdrawal
What it means: a 2.5% fee (at least ₹500), plus interest from day one.
Progress
In the app · ExampleBalance now₹74,000of ₹1,00,000
On track
26% complete · On track
Paid so far₹36,000
Interest + fees seen₹10,000
Pricing
Start free on the web. Get the whole coach with Pro.
Free
On the web₹0right here
- 1 card read: a statement or card terms, decoded
- Coach chat: 5 free questions
- Payoff calculator for up to 3 cards
No sign-in needed.
Aarambha Pro
In the app₹299/ month
- Up to 3 cards, statements and T&C read on all
- A plan from your real numbers, tracked monthly
- A coach that remembers your cards and your progress
Upgrade inside the Aarambha app. Also unlocks every lesson, quiz and game.
Roadmap
Credit cards first. Every loan next.
The same Coach, the same plain words, for the other debts in your life.
Credit cards
Statements, terms, payoff plans and progress.
LiveHome loans
Prepay or invest, and what a rate change does to your EMI.
Coming soonPersonal loans
The real cost behind the EMI, fees included.
Coming soonAuto loans
How long the loan really runs, and what paying early saves.
Coming soon
FAQ
Questions, answered plainly.
Is this financial advice?
No. Credit Card Coach is for education. It explains how your card works and shows the maths of different ways to pay it off, so the decision is clear and stays yours. It never recommends a specific card, bank, loan or balance-transfer product.
Which cards work?
Any Indian credit card. The calculator works with any balance and monthly rate, and AISHA reads statements and card terms (MITC) from any Indian bank as screenshots or a PDF. Your first card is free, right here on the web.
Do I need the app?
Not to start: the payoff calculator, 5 coach questions and your first card reading work right here in your browser. For the whole coach (up to 3 cards, a coach that remembers them and your progress month by month), download the app and upgrade to Aarambha Pro there.
What does it cost?
There are two plans. Free, on the web: the calculator, 5 coach questions and one card reading. Aarambha Pro, bought in the app (₹299 a month, ₹600 for 3 months or ₹1,500 a year): the whole coach, with up to 3 cards, memory and monthly progress. Cancel anytime.
Is the interest maths exact?
It's a close estimate. The Coach uses your card's monthly rate, its minimum-due rule and 18% GST on interest, month by month. Banks work out interest daily from each transaction date, so your real statement can differ a little.
My statement has a password.
That's normal: most Indian banks lock their statement PDFs. Enter the password once when you upload. It's only used to open the file.
Find your debt-free date today.
Put in your numbers, see the plan, and ask AISHA anything about your card.