Your cards, score & journeys — perfectly managed.
Ziwy pairs an AI-powered intelligence layer with human specialists who understand Indian banks, card programmes, and loyalty currencies deeply.
One WhatsApp thread, everything handled
No apps to learn, no forms, no call centres. Drop a question or a CIBIL report into chat — Ziwy takes it from there.
AI intelligence, human judgement
Our engine reads card maths, award charts, and credit reports instantly; specialists verify every recommendation before it reaches you.
On your side, only
We earn from your membership — not bank commissions. Every card we recommend and every dispute we file serves your interest alone.
Four pillars of financial ease.
Each service delivered by Ziwy's AI-powered concierge layer, backed by human expertise — on WhatsApp, at your pace.
Credit Card Strategy
Full card portfolio audit, category-wise spend routing, points & miles transfer strategy, and every lounge and lifestyle benefit claimed in full — reviewed continuously as your life changes.
Credit Card Sourcing
Eligibility mapping before any application, sequenced timing to protect your score, and invite-only sourcing — Infinia, Diners Black Metal, Burgundy Private — through banker and wealth manager channels.
CIBIL Issues Resolved
Most disputes fail because they're filed the wrong way, to the wrong desk. Ziwy gets the approach right: AI-powered report analysis in plain English, disputes drafted with the right evidence, filed through the right channel — bank Nodal Officer to the RBI Integrated Ombudsman — and followed through to resolution, with a 90-day score rebuild plan.
Travel Managed
Flights & hotels on points — Business Class awards on ANA, Singapore Airlines, Lufthansa, BA and Air India; stays on Bonvoy, IHG, Accor and Hyatt. A customised itinerary built around your pace, palate, and people. And end-to-end management, like your EA — check-ins, transfers, reservations, changes, and the inevitable surprises, handled while you travel.
What Ziwy is. And what it isn't.
We don't push whichever card pays the highest commission. We have no inventory and no targets — only your profile and the maths.
We never buy, sell, or pool miles. Everything is earned and redeemed within your own accounts, by the book.
No fake disputes, no shortcuts. We resolve genuine errors and fraud through formal bank and RBI channels — properly documented.
An engine that knows every Indian card's earn rates, milestones, devaluations, and award sweet spots — applied to your exact spends.
Fee-funded and conflict-free. When a card isn't worth its fee, we'll be the first to tell you to cancel it.
From the dispute letter to the award seat to the airport lounge — researched, filed, booked, and confirmed back to you on WhatsApp.
Simple. Seamless. On WhatsApp.
Tell us your goal — a better card stack, a score problem, or a trip you want on points. No forms, no calls unless you want one.
Card list, spend pattern, or CIBIL report — shared in chat, handled in strict confidence, never sold or passed to banks.
A clear, written plan: which cards, in what order, which disputes, which award routing — with the numbers behind every call.
Applications coordinated, disputes filed and tracked, flights and hotels booked. You confirm each step with a single reply.
Built for people who value their money and miles.
CXOs & Senior Professionals
High spends across dining, travel, and international — finally routed to the right cards and converted into Business Class.
Business Owners
Company and personal spends untangled, Bizblack-class cards sourced, and GST-heavy expenses turned into points engines.
Frequent Flyers
Stop paying cash for J-class. Award charts, transfer bonuses, and seat releases tracked so your miles fly you further.
NRIs & Returning Indians
India credit footprint rebuilt, CIBIL anomalies cleaned, and the right premium cards secured on arrival.
Loan-Bound Households
A home loan in your future? We clear and optimise your CIBIL months before the application, when it matters most.
Points Beginners
Sitting on lakhs of unredeemed points? We turn forgotten balances into real trips before they quietly devalue.
Real numbers. Real journeys.
I held five premium cards and was somehow earning less than my colleague with two. Ziwy's audit re-routed my spends in a week — the maths now runs itself and I just see the points stack up.
A wrongly reported "settled" account was blocking my home loan. I'd disputed it twice myself and got nowhere. Ziwy drafted it properly, sent it to the right desk with the right evidence, and it was finally corrected. The loan went through at the better rate.
Tokyo, Kyoto, Osaka — Business Class both ways, hotels included, on points I didn't know were worth anything. I paid taxes. That's it. My family still doesn't believe it.
Plans built for how you spend.
One membership fee. No commissions, no cuts of your points. Fees are quoted privately on WhatsApp based on your profile.
- Full card portfolio audit
- Spend routing playbook
- Card recommendations & sequence
- One CIBIL health check
- Everything in The Audit, continuously
- Unlimited WhatsApp concierge
- Card sourcing incl. invite-only
- CIBIL disputes fully managed
- Travel managed end-to-end, like your EA
- AI report analysis in plain English
- Dispute drafting, filing & tracking
- Escalation to RBI Ombudsman
- 90-day score rebuild plan
"Clients typically recover the Ziwy Private fee within the first month of optimised card usage." Our pricing reflects the depth of the engine, the calibre of our specialists, and a relationship built to last — not a one-off transaction.
We've got answers.
Is Ziwy a bank, NBFC, or card-selling agent?
No. Ziwy is an independent, fee-funded advisory and concierge service operated by Seiaum Tech Pvt Ltd. We don't issue credit, lend money, or earn commissions from banks — which is exactly why our recommendations stay clean.
How do I work with Ziwy day to day?
Entirely on WhatsApp. Drop a question, a card statement, or a CIBIL report into your thread; our AI layer analyses it and a specialist replies with a clear, written recommendation. No app to install, no portal logins, no hold music.
Is my financial data safe?
Your card details, statements, and credit reports are used solely to serve you, stored securely, and never sold or shared with banks, lenders, or marketers. You can ask us to delete your data at any time.
How does Ziwy actually get CIBIL disputes resolved?
By getting the approach right. Most self-filed disputes fail because they go to the wrong desk with weak documentation. Ziwy analyses your report, builds the dispute with the right evidence, and files it through the right channel — the bank's Nodal Officer first, escalating to the RBI Integrated Ombudsman if needed — then follows through until it's resolved. Genuine repayment history can't (and shouldn't) be erased; for that we build an honest 90-day rebuild plan instead.
Which cards can Ziwy source?
HDFC Infinia, Diners Black Metal, Bizblack, Axis Magnus, Axis Atlas, Amex Platinum Charge, HSBC Premier, Burgundy Private and more — including invite-only cards reached through banker and wealth-manager relationships. We map eligibility first, so you never burn a hard inquiry on a card you won't get.
Do you buy or sell points and miles?
Never. All redemptions happen inside your own loyalty accounts, fully within programme rules. Our job is to make your points work harder — transfer bonuses, award sweet spots, seat releases — not to trade them.
Which cities do you serve?
All of India. Because Ziwy lives on WhatsApp, there's nothing local about it — members message us from Gurgaon, Mumbai, Bengaluru, Singapore, and Dubai alike. Our team is based in Gurgaon.
What does membership cost?
Fees depend on the plan and your profile, and are quoted privately on WhatsApp before you commit to anything. Most Ziwy Private members recover the annual fee within their first month of optimised card usage.
Ready to make your money move smarter?
Start a conversation on WhatsApp. No forms. No calls. Just answers — usually within the hour.