Multiply, we intend to dispel the fears and inhibitions associated with credit cards.

But the question arises, why are we so bullish on credit cards? The answer is, a credit card, if used judiciously and meticulously, is the most rewarding way to spend. Our team of credit card nerds collectively has 30+ years of experience of using credit cards. We've built mental models over the last few years that help us get 10-12% return on all our spends.

Now, combined with our vast expertise in building scalable products, we plan to automate our models for millions of users in India to earn up to 10% return from all their spends. Multiply will help users get the right set of credit cards, based on their spending pattern, income, and interests. Not only this, with our transaction level insights, we will recommend the right credit card for each transaction. This will help users get returns from their spends in the form of free flights, hotels, Amazon vouchers, cashback, etc.