The Intelligence Layer On Your Payments

Don’t Just Pay, Get Paid

≤25%

back on everyday
spends

Zero

change in user
behaviour

100%*

off on joining fees of
any credit card issued

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Keyy

The uncomfortable truth

Most payments give you nothing.

You're not the problem. The system is.

Digital & Cash Payments

Convenient. Universal. Unrewarding.

From a quick scan and a card swipe to a crisp note, this is how most Indians pay every day. But every transaction delivers convenience with almost no return, creating value for the system, not for the user.

Cash rupee notes
Credit Cards

High Rewarding - only if you decode them.

Credit cards promise rewards, but only to those who can crack their complexity. Between hidden conditions, confusing structures, and marketing gimmicks, most people never unlock their real value.

Credit cards with rewards

Keyy flips that system in your favour.

WHAT KEYY DOES

Three things. That change everything.

  • 01
    Builds your Perfect Wallet

    Keyy analyses 600+ cards against your real spending and recommends the precise set that maximises every rupee.

    • Eligibility
    • Rewards
    • Fees
    • +20 Metrics
    What Users Do Today

    Most people pick cards offered by banks, or assumptions, or promoted by influencers, but with 800+ cards and complex T&Cs, finding the right set of cards to truly maximise benefits is nearly impossible.

    VS
  • 02
    Picks the right card

    At checkout, online or offline - Keyy auto-selects the card that pays back the most for that exact transaction.

    • Rewards
    • Credit Score
    • Annual Fee Waiver
    • +10 Metrics
    What Users Do Today

    Most people pick cards offered by banks, or assumptions, or promoted by influencers, but with 800+ cards and complex T&Cs, finding the right set of cards to truly maximise benefits is nearly impossible.

    VS
  • 03
    Maximises redemption

    Tracks expiring points, milestone gaps, and bonus windows so you redeem at peak value - never at default.

    • Points Value
    • Transfer Partners
    • Cappings
    • +10 Metrics
    What Users Do Today

    Most people pick cards offered by banks, or assumptions, or promoted by influencers, but with 800+ cards and complex T&Cs, finding the right set of cards to truly maximise benefits is nearly impossible.

    VS

Save ≤25% on everyday
spends with Keyy

Rupee

Keyy Memberships

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

Built for everyone.

Existing card user

Existing card user

No card holder

No card holder

Low credit score

Low credit score

Keyy is your switch.

Everything your bank hides. Keyy reveals.

Trust Engine

Built to protect your money while
multiplying its value.

Privacy-first architecture

Privacy-first architecture

Bank-level security

Bank-level security

End to End Encrypted

End to End Encrypted

Pay Bills. Earn as You Go.

Earn up to 15% Keyys (1 Keyy = ₹1)
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    Cable TV

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    Broadband

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    Mobile Recharge

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    Electricity Bill

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    Credit Card

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    Rental

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    DTH

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    Water

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    Education Fees

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    e-Challan

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    Cable TV

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    Broadband

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    Mobile Recharge

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    Electricity Bill

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    Credit Card

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    Rental

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    DTH

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    Water

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    Education Fees

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    e-Challan

Build. Backed. Growing.