How CheQ’s AI-powered Wisor helps you pick the right credit card for every spend

If you’ve ever stared at your wallet wondering which credit card to use for that flight, dinner, or fuel refill; you’re not alone. Despite India’s growing credit-savvy population, millions of users still miss out on thousands of rupees in rewards every month, not because they don’t spend smartly but because tracking and optimizing multiple credit cards has become a full-time job.

Enter CheQ Wisor, an AI-powered credit card expert, built to take the confusion out of credit. With Wisor, users can simply ask, “Which card should I use for this purchase?” or “Am I close to my milestone reward?” and get instant, data-backed answers.

CheQ began with a simple idea - to make credit rewarding, not overwhelming. Over the past two years, we’ve helped users pay smarter and earn more from their credit. With Wisor, we’re taking that mission forward. It’s your proactive AI credit twin that constantly analyses your portfolio, alerts you to missed opportunities and guides you on which card to use, when to spend and how to maximise every reward. At its core, Wisor doesn’t just inform you, it stays one step ahead, turning every credit decision into an intelligent one. says Aditya Soni, Founder and CEO, CheQ.

The launch marks a bold leap for CheQ, which started as a credit card bill payment platform and is now transforming into a comprehensive credit optimization ecosystem where every card, every spend, and every reward is intelligently managed.

The problem and the solution

Even the most financially aware users leave value on the table every month. An average Indian owns two - three credit cards, yet actively uses fewer than two. Each card has its own categories, offers, caps, and milestone bonuses, nearly impossible to manually track.

The result? Users lose anywhere between Rs 1,000–Rs 5,000 worth of rewards monthly, and two-thirds of earned rewards expire unused.

CheQ Wisor is a conversational AI built to optimize every credit decision. By analyzing real-time transaction data across all linked cards, Wisor instantly recommends the best one to use for any purchase — maximizing cashback, rewards, and milestone benefits effortlessly.

Users can ask, “Which card should I use for my flight booking?” or How do I optimize this month to get maximum cashback on my credit cards? or Am I close to my Axis Atlas milestone?

Wisor’s intelligence layer goes far beyond a chatbot wrapper; it is trained to understand financial intent, map merchants accurately, and calculate rewards dynamically.

“It’s your proactive AI credit twin that analyses your portfolio on demand, alerts you on missed opportunities and guides you on which card to use, when to spend and how to maximise every reward,” Aditya explains. “At its core, Wisor doesn’t just inform you; it stays one step ahead, turning every credit decision into an intelligent one.”

Wisor’s key capabilities are:

• Real-time spend analysis across multiple cards
• Smart card recommendations for every transaction
• Proactive nudges like “Rs 5,000 more to unlock your milestone bonus”
• Offer radar for active and upcoming bank promotions
• Reward simplification, converting points into usable benefits (e.g., hotel membership upgrades)
• Hidden credit line detection and pre-approved top-ups (coming soon)

Early impact

During pilot testing, Wisor users showed 4x higher engagement compared to traditional app flows and a 22% increase in reward capture per user. On average, users saved up to Rs 25,000 across travel, fuel, and lifestyle categories — all thanks to smarter, AI-guided spending.

India’s credit card market is exploding with over 16 million new cards issued in FY 2023-24, and co-branded, category-specific cards adding layers of complexity. At the same time, users are more comfortable with AI-powered assistants than ever before.

In just two years, CheQ has become India’s fourth largest credit card bill payment platform, giving it a deep reservoir of spend intelligence and the perfect foundation for Wisor’s AI-driven insights,” Singh shares.

The tech behind Wisor:

Unlike typical chatbot layers, Wisor is built on a robust AI architecture designed for financial precision and personalization. Its capabilities include:

• Agentic RAG-based architecture that delivers hyper-personalized responses by intelligently querying and synthesizing user-specific credit and transaction data in real-time
• Unified product intelligence hub providing instant, contextual information across CheQ's entire product ecosystem — from credit cards to loans in a single conversational interface
• Comprehensive financial optimization suite featuring spend optimization strategies, transaction pattern analysis, credit health monitoring, credit score insights, and AI-powered card recommendations tailored to individual spending behaviour.

This combination ensures that every recommendation is not only contextually accurate but also financially optimized. With Wisor, CheQ is defining a new category in consumer fintech: the AI credit card expert. Bringing together clarity, context and personalization, Wisor ensures every user can make informed, optimized, and rewarding decisions — powered by AI