MVPFintech · Consumer

OffOnMyCard

Every bank runs different card offers, cashback and rewards. OffOnMyCard brings them together and tells you, before you pay, which card saves the most at that merchant.

The problem

Savings get missed at the counter.

Pakistani banks run hundreds of card offers at restaurants, supermarkets, fuel stations and online stores. The offers change every week, each with its own days, caps and minimum spend. Most people carry two or three cards and simply use whichever one comes out first.

The solution

One answer: use this card.

OffOnMyCard reads offers, cashback and reward rates from many banks and works out your real saving for a specific merchant and amount. Add the cards you have, choose where you're paying, and it tells you which card to use.

Try it

Best card for this purchase.

Pick a type of merchant and set an amount. OffOnMyCard ranks every card by the total amount you'd save: the discount, within its cap, plus cashback.

This is a demo. The banks, cards and offers are fictional placeholders and don't represent any real bank's offers.

offonmycard · compare
PKR 8,000

    Key features

    Built for every checkout.

    Offer aggregation

    Discounts, cashback and reward programmes from many banks in one place, kept up to date.

    Real-saving engine

    Takes caps, minimum spend, valid days and reward value into account, not just the headline percentage.

    Your wallet only

    Only shows the cards you have, or suggests one worth applying for.

    Merchant search

    Search by brand, category or nearby location to see the best card before you order.

    Merchant dashboard

    Onboarded merchants can see which bank partnerships bring in customers and plan campaigns.

    Privacy by design

    We never ask for card numbers. You choose your cards by bank and card type.

    How it works

    Three taps to save.

    1. Add your cardsChoose your bank and card type. No card numbers are needed.
    2. Pick the merchantSearch for where you're about to pay and enter the amount.
    3. Pay with the winnerOffOnMyCard shows the best card and how much you'll save.

    Who it's for

    Everyone at the counter.

    Cardholders

    Save money on everyday spending without tracking a dozen bank promotions.

    Merchants

    Bring in bank-offer shoppers and see how your partnerships perform.

    Banks

    Show your card offers to customers right when they're deciding how to pay.

    Status & roadmap

    Where OffOnMyCard is now.

    MVP

    1. Phase 1

      Offer data model

      A standard model for discounts, caps, valid days and rewards across banks.

    2. Phase 2 · Now

      MVP and early access

      Comparison engine for major cities, plus onboarding for the first merchants.

    3. Phase 3

      Bank partnerships

      Direct offer feeds and co-marketing with partner banks.

    4. Phase 4

      Nationwide

      Nationwide coverage, location alerts and a merchant analytics suite.

    Stop leaving savings at the counter.

    Merchants: bring in more card-offer customers. Shoppers: get in early.