AskTula
AskTula before you pay · AskTula se pucho, phir pay karo

Same order. Same cart. Just cheaper.

That ₹40,000 phone in your cart? Depending on how you pay, you could save up to ₹4,000, whether as an instant discount, cashback, or reward points. Same shop, same product, different card. AskTula shows what each way is really worth, in rupees.

🔒 We never ask for your CVV, OTP or UPI PIN.
One order · different ways to pay · one clear winner

Buying a ₹40,000 phone on Amazon?

AskTula checks every card, UPI app, and wallet you own, applies today's live offers, and shows the one that costs least, in exact rupees. Reward points are shown as an honest estimate, clearly marked, so you always know what each way is really worth.

🛒 Amazon Order ₹40,000
✦ Best way to pay
Amazon Pay Day · ICICI
Save ₹4,000
You pay ₹36,000 instead of ₹40,000
✓ 10% instant discount
HDFC Millennia5% back · ₹1,000 cap
-₹1,000pay ₹39,000
HDFC Regalia4 pts/₹200 · est. value
≈ ₹400reward points
Google PayNo offer today
₹0pay ₹40,000
What AskTula is

A neutral referee for the moment before you pay.

💳

Cards and apps together

Credit cards, UPI apps, and wallets in one comparison. It matters, because plenty of card offers only pay out through one particular app.

Truly neutral

The best offer always wins, even when it earns us nothing. We don't rank anyone higher for paying us. Ever.

Answers in rupees

Cashback shown as exact money off. Points and miles shown as an honest rupee estimate, clearly marked, never dressed up as more than they are.

Why we ask which apps you use

Some of the best card offers only pay out through one specific app. The Axis Ace gives 5% back on your electricity, gas and mobile bills, but only when the bill is paid through Google Pay on Android. The identical bill, on the identical card, in any other app earns nothing.

Other cards work the opposite way round and pay you for using your card on UPI, but only if it is the RuPay version. So we ask what is on your phone as well as what is in your wallet, and we only show you offers you can actually use.

How it works

One message. One clear answer.

STEP 01 · SET UP ONCE

Tell us what you carry

Tap the cards, UPI apps, and wallets you have. Names only, no numbers, no PINs. Takes about two minutes.

What do you pay with?
Just tap what you have. We never ask for numbers.
HDFC Millennia ICICI Amazon Pay SBI Cashback Paytm Google Pay PhonePe Axis Ace + More
🔒 We never ask for your CVV, OTP or UPI PINJust the names of what you pay with.
STEP 02 · ASK

Message us before you pay

Send the shop and the amount on WhatsApp. That is all we need. Plain English is fine, and so is 45k or 2 lakh.

Just tell us two things
The shop, and how much you are spending.
💬
croma 20000Shop and amount. Nothing else needed.
or
💬
"Amazon pe phone, 45k ka"Hindi or English, both work.
or
💬
"fridge from Reliance for 32,000"Write it however you like.
STEP 03 · SAVE

Get one clear answer

We show the cheapest way to pay, in exact rupees. You pay that way inside the shop's own checkout.

🛒 Amazon ₹40,000
✦ Best way to pay
Amazon Pay Day · ICICI
Save ₹4,000
Pay ₹36,000 instead of ₹40,000
HDFC Millennia5% back
-₹1,000pay ₹39,000
HDFC Regaliapoints · est. value
≈ ₹400reward points

We never see anything that can move your money.

AskTula tells you how to pay. You pay inside the shop's own checkout, exactly as you do today. We are not part of that transaction.

So there is nothing we need from you beyond the names of what you carry, and nothing sensitive for us to hold.

Stop overpaying at checkout.

Send us a message and we'll set you up. It takes about two minutes, and it's free.

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