SaveSage, an AI-driven personal finance startup, has raised $1 million in a pre-seed funding round aimed at transforming the way Indians manage credit card and travel loyalty rewards. The round was led by Bhavesh Gupta, with participation from prominent investors including N. R. Narayanan, Lalit Wadhwa, DSP Family Office, Venture Catalysts, and Suvrat Sehgal. The funding comes in a mix of equity and debt and will be used to strengthen the startup’s AI engine, expand its product offerings, and accelerate user acquisition.

Launched in October 2024, SaveSage has quickly gained traction, amassing 200,000 users in less than a year. The platform has reached an annual revenue run rate of $1.1 million as of September 2025, signaling strong market adoption for its AI-powered financial tools. SaveSage currently manages more than one million credit cards and over 400,000 loyalty program accounts. Additionally, more than 100,000 users rely on the platform to pay their bills, reflecting the growing trust in the app’s capabilities.

How SaveSage Works

At its core, SaveSage helps users track, manage, and optimize their credit card and travel loyalty rewards. The platform leverages artificial intelligence to deliver personalized recommendations, enabling users to maximize value from every transaction. From monitoring reward expiry dates to suggesting the best ways to redeem points, the app ensures that users extract the maximum benefits from their spending.

The mobile application offers tools for credit card management, rewards optimization, and bill payments. With real-time insights and AI-driven suggestions, SaveSage empowers users to make informed financial decisions. Unlike traditional personal finance apps that focus only on budgeting, SaveSage prioritizes reward optimization, a segment that is largely untapped in India.

Founder and CEO Ashish Lath explained the problem the startup is addressing: “Every year, over ₹10,000 crore worth of credit card and loyalty points expire unused in India. At SaveSage, we are on a mission to change that. Our goal is to make reward optimization a daily habit by empowering users to extract the maximum value from every rupee they spend.”

The Growing Potential of Reward Optimization

Globally, reward optimization has proven to be a high-engagement category. Users who are guided on how to redeem rewards efficiently tend to interact more frequently with platforms, leading to better retention and monetization opportunities. Bhavesh Gupta, anchor investor and senior advisor of SaveSage, believes the company is uniquely positioned to bring this transformation to India.

“In global markets, rewards optimization is already a proven, high-engagement category. SaveSage is well placed to lead this transformation in India, and I’m excited to continue backing the team as they scale this innovative platform,” Gupta said.

The startup’s AI-driven approach is designed to handle the complexities of India’s fragmented credit and loyalty landscape. With hundreds of banks, credit cards, and loyalty programs operating across the country, manually tracking points and benefits can be overwhelming for users. SaveSage simplifies this process and presents actionable recommendations, bridging the gap between rewards accumulation and redemption.

Plans for Growth and Technology Expansion

The $1 million funding round will allow SaveSage to refine its technology stack, introduce personalized financial tools, and scale operations to meet the growing demands of India’s digital credit users. The startup plans to expand its AI capabilities to provide smarter, more personalized suggestions that go beyond simple reward tracking.

One of the main focuses for the coming year is to enhance predictive analytics. By analyzing user behavior, spending patterns, and loyalty program rules, the AI engine can anticipate the most valuable opportunities for users. This predictive approach is expected to reduce point wastage, increase engagement, and make financial rewards easier to understand and use.

SaveSage is also planning to broaden its product capabilities to include integrations with more banks and loyalty programs, making it a one-stop solution for users across India. In addition to serving individual users, the platform is exploring B2B opportunities, such as partnerships with banks and fintech platforms that want to enhance their customer engagement with AI-driven rewards management.

A Growing Market Opportunity

The Indian credit and loyalty market represents a significant opportunity for a platform like SaveSage. Millions of Indians hold credit cards and participate in travel loyalty programs, but the lack of awareness and tracking tools leads to billions of rupees in wasted rewards annually. By automating this process and providing actionable insights, SaveSage is capturing value not just for users but also for the broader financial ecosystem.

The timing of SaveSage’s entry into the market aligns with India’s increasing adoption of digital finance tools. With the rise of mobile payments, digital banking, and fintech innovation, consumers are looking for smarter ways to manage their money. AI-driven solutions like SaveSage are poised to meet this demand, offering convenience, savings, and enhanced financial literacy.

What Sets SaveSage Apart

What differentiates SaveSage from other personal finance apps is its focus on AI-powered rewards optimization and real-time actionable insights. While many platforms offer generic budgeting and expense tracking, SaveSage directly addresses the inefficiencies in credit card and loyalty program management.

The startup’s ability to handle large volumes of data from multiple sources and deliver personalized recommendations quickly gives it a competitive edge. Users don’t need to manually track points or compare reward offers—they simply use the app and get the best options presented automatically.

Additionally, the company’s strong early traction, growing user base, and revenue run rate demonstrate that the solution resonates with Indian consumers. The combination of innovative technology, a clear market need, and strong investor backing positions SaveSage for rapid growth in the coming years.

Looking Ahead

SaveSage is setting its sights on becoming India’s leading AI-powered platform for rewards optimization and personal finance management. With $1 million in new funding, the startup is ready to expand its team, enhance its technology, and grow its user base.

Ashish Lath emphasized the company’s vision: “With the trust of our investors and this new round of funding, we’re focused on advancing our technology and reaching every Indian credit card user. Our ultimate goal is to make rewards optimization a seamless part of daily life for millions of users.”

As AI continues to reshape the personal finance landscape, SaveSage’s approach could redefine how Indians manage their money and extract value from their everyday spending. By turning wasted points into tangible rewards, the startup is not only helping users save money but also creating a more efficient and engaging financial ecosystem.

With its innovative AI platform, strong investor backing, and a growing user base, SaveSage is a startup to watch in 2025 and beyond. Its journey highlights the enormous potential for technology-driven solutions to transform personal finance in India, making it smarter, faster, and more rewarding for millions of users.