Three blank premium cards fanned out on dark slate

Cards, in hindsight.

App preview, marked Preview coming soon: October re-scored. Card A, 5% groceries, leads with 126.75; Card B 64.20; Card C 41.10. Why Card A leads: 62% of spending was groceries. No bank pays to be ranked.

Preview of a feature in design. Not in the app yet.

A sample month, re-scoredAED 6,500 spent

Card type	Would have earned
Card D · 10% at Store X	AED 191.75
Card A · 5% groceries	AED 140.50
Card B · 3% dining	AED 87.00
Card C · 1% on everything your card	AED 65.00

Card D leads because AED 1,800 of the month was at one store. Invented card types; no bank pays to be ranked.

How it reads a month.

First, your bank SMS arrive.

Bank SMS, read on your phoneAED 312.40 spent on card ending 4417 at STORE X on 14 Oct.

Groceries · Store XAED 312.40

Paid with Card C14 Oct

Then, the month adds up.

All of October's messages63 payments across 4 weeks.

GroceriesAED 2,400.00
of which at Store XAED 1,800.00
Dining outAED 1,100.00
FuelAED 600.00
Everything elseAED 2,400.00
OctoberAED 6,500.00

Last, every card is re-scored.

The same month, run through each card's rulesCashback, points and store discounts, on your real spending.

Card type	How it earns on your month	Total
Card D · 10% at Store X	180.00 at Store X + 11.75 on the rest	AED 191.75
Card A · 5% groceries	120.00 on groceries + 20.50 on the rest	AED 140.50
Card B · 3% dining	33.00 on dining + 54.00 on the rest	AED 87.00
Card C · 1% on everything your card	65.00 on everything	AED 65.00

A card like Card D would have added AED 126.75 to October. Card types and rates here are invented examples.

An upscale supermarket aisle with a basket of fresh fruit and vegetables in the foreground

One supermarket, most weeks?

Then a store's own co-branded card can beat any general one. Hindsight shows you that such a card exists, from your own spending. Whether you get one is your call.

+ AED 126.75what a better-fitting card would have added to a sample month

What it will look like.

Two screens from the design, in the Ottr app's style. Coming soon; nothing here is in the app yet.

Your cardsLast month, re-scored.
Every card you hold, run against what you really spent, with the reason the top one leads.
The nudgeWrong card? You'll know.
Pay with the card that earns less, and you see the difference in dirhams, with the maths one tap away.

App preview, marked Preview coming soon: Activity list. A 480.00 supermarket payment made with Card B, with a nudge: Card A would have earned AED 14.40 more. Use Card A for groceries, Not now, See the maths.

Try your month.

Move the numbers to match how you spend. The ranking follows as you go.

Groceries a monthAED 2,400

Share of groceries at one store75%

Dining out a monthAED 1,100

Fuel a monthAED 600

Everything else a monthAED 2,400

Your month, re-scoredAED 6,500 spent

Card type	Would have earned
Card D · 10% at Store X	AED 191.75
Card A · 5% groceries	AED 140.50
Card B · 3% dining	AED 87.00
Card C · 1% on everything	AED 65.00

Card D leads because AED 1,800 of your spending is at one store.

Invented card types and rates, for the idea. The ranking comes from your numbers only.

A fuel station at dusk with an SUV at the pump, desert and the city skyline behind

The pump, the shop, the brunch.

Each payment is read from your bank SMS on your phone and checked against each card type's rules. No bank password, no bank login.

0 bankspay to be ranked.

Explained from your numbers.Every ranking shows its working: what you spent, where, and what each card's rules make of it.

Run on your phone.Your spending is read and compared on the device. No bank password, no bank login.

Questions, answered.

Is Hindsight out yet? Not yet. It's coming soon. Join the waitlist and tell us which features matter most; that decides what we build first.

Do you recommend credit cards? No. Hindsight shows which of your cards, or which kind of card, fits how you spend. Whether to get a card, and which one, is your call.

Do banks pay to appear? No bank pays to be ranked. The order comes from your own spending and each card's published rules, and the working is shown.

Is it telling me what to do? No. Think of it as a coach holding up your own numbers. It doesn't give investment advice.

How does it know what I spend? It reads the bank SMS and notifications on your phone. No bank password and no bank login.

Where does my data go? Your data stays on your phone. The comparison runs there too.

What does "wrong card" mean? When you pay with a card that earns less than another card in your own wallet would have, Hindsight tells you, with the two amounts side by side.

Which cards will it know? We'll say when we launch. The card names on this page are invented placeholders.