swipe
Card tracker · concept design

Four cards, three banks, one calm wallet.

9:41
Saturday, 19 Sep
Wallet
AR
Credit available
₹4,70,335
Outstanding
₹79,665
Marina Bank
₹48,215 balance
••••  ••••  ••••  7751
Debit · 09/29
Arjun Raman
lumen
Marina Bank
₹93,880 free
••••  ••••  ••••  0386
Credit · 09/29
Arjun Raman
lumen
Nilgiri Bank
₹2,58,095 free
••••  ••••  ••••  4417
Credit · 09/29
Arjun Raman
lumen
Kaveri Bank
Emerald
••••  ••••  ••••  2093
Credit · 09/29
Arjun Raman
lumen
Emerald ••2093of ₹1,50,000
₹1,18,360available
Due in 4 days
₹23,480 on Emerald
Pay
Wallet
9:41
Alerts
Mark all read
Unusual for this card · 2:14 am
₹8,999 at 2:14 am. Was this you?
Voltmart Online · Emerald ••2093
Yes, it was meNo, freeze card
Due dates14 Sep – 11 Oct
MTWTFSS
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
Oct
2
3
4
5
6
7
8
9
10
11
Emerald ••2093
Wed 23 Sep
₹23,480
In 4 days
Summit Metal ••4417
Fri 2 Oct
₹41,905
Autopay on
Pearl Reserve ••0386
Sun 11 Oct
₹6,120
Statement soon
Alerts
Marina Bank
Tide
••••  ••••  ••••  7751
Debit · 09/29
Arjun Raman
lumen
Marina Bank
Pearl Reserve
••••  ••••  ••••  0386
Credit · 09/29
Arjun Raman
lumen
Kaveri Bank
Emerald
••••  ••••  ••••  2093
Credit · 09/29
Arjun Raman
lumen
Nilgiri Bank
Summit Metal
••••  ••••  ••••  4417
Credit · 09/29
Arjun Raman
lumen
Arjun, Chennai · three cards, three banks, three due dates

He paid the Kaveri bill four days late. The statement kept the receipt.

Kaveri Bank
Emerald credit card ••2093 · Arjun Raman
Statement 18 Sep 2026
Payment due 23 Sep 2026
19 AugPrevious balance18,240.00
27 AugPayment received, thank you−18,240.00
29 AugCoastline Cafe, Besant Nagar1,860.00
02 SepHill Road Fuels, Adyar2,400.00
05 SepLate payment charge950.00
05 SepFinance charges on revolving balance179.00
05 SepGST on charges at 18%171.00
11 SepLeafline Grocers, Mylapore3,318.00
Paid 27 Aug. It was due on 23 Aug.Total due ₹23,480.00
₹1,300
for four days, on a bill he had the money for.
Meanwhile 12,400 reward points sat on the same card, worth ₹3,100, unopened.

Every card on one stack, each with what's left on it.

9:41
Saturday, 19 Sep
Wallet
AR
Credit available
₹4,70,335
Outstanding
₹79,665
Marina Bank
₹48,215 balance
••••  ••••  ••••  7751
Debit · 09/29
Arjun Raman
lumen
Marina Bank
₹93,880 free
••••  ••••  ••••  0386
Credit · 09/29
Arjun Raman
lumen
Nilgiri Bank
₹2,58,095 free
••••  ••••  ••••  4417
Credit · 09/29
Arjun Raman
lumen
Kaveri Bank
Emerald
••••  ••••  ••••  2093
Credit · 09/29
Arjun Raman
lumen
Emerald ••2093of ₹1,50,000
₹1,18,360available
Due in 4 days
₹23,480 on Emerald
Pay
Wallet
Limit left, not limit used
The number you need at the till, on the edge of every card.
Available on the front card
₹1,18,360 of ₹1,50,000 on Emerald.
Next bill, four days out
Pay from here in two taps.

The bill, the date and the pay button, in that order.

9:41
Emerald ••2093
Kaveri Bank
Emerald
••••  ••••  ••••  2093
Credit · 09/29
Arjun Raman
lumen
Due in 4 days · Wed 23 Sep
₹23,480Statement 18 Sep
Minimum ₹1,180
Pay ₹23,480 in full
Spent in September₹31,640
Travel₹11,200
Dining₹9,870
Groceries₹6,450
Fuel₹4,120
12,400 points
Worth ₹3,100 on flights
Redeem
Wallet
Due in 4 days · Wed 23 Sep
₹23,480
Statement 18 SepMinimum ₹1,180
Pay ₹23,480 in full
Pay the full statement, not the minimum.
The ₹1,180 minimum keeps the late fee away but not the 3.6% monthly interest. Swipe says so, right under the amount.
12,400points,
worth ₹3,100
Shown next to the bill, so they get spent before they expire in March.
9:41
Controls
Changes apply instantly
4417209303867751
Nilgiri Bank
Summit Metal
••••  ••••  ••••  4417
Credit · 09/29
Arjun Raman
lumen
Summit Metal
Nilgiri ••4417
Active
Freeze card
Stops every payment, instantly
Online payments
Apps and websites
International
Turn on before you fly
Contactless
Up to ₹5,000 per tap
ATM withdrawals
Off since June
Daily spend limit₹25,000
₹0₹50,000₹1,00,000
Controls
Nilgiri Bank
Summit Metal
••••  ••••  ••••  4417
Credit · 09/29
Arjun Raman
lumen
Frozen
Card frozen
Every payment is declined
Lost it in an auto? Freeze it before you reach the next signal, unfreeze when it turns up under the seat.

Freeze, limit, switch off abroad. Instantly.

Daily spend limit₹25,000
₹0₹50,000₹1,00,000
A daily cap of ₹25,000 on the metal card. Resets at midnight.

A ₹8,999 charge at 2:14 am gets one question.

9:41
Alerts
Mark all read
Unusual for this card · 2:14 am
₹8,999 at 2:14 am. Was this you?
Voltmart Online · Emerald ••2093
Yes, it was meNo, freeze card
Due dates14 Sep – 11 Oct
MTWTFSS
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
Oct
2
3
4
5
6
7
8
9
10
11
Emerald ••2093
Wed 23 Sep
₹23,480
In 4 days
Summit Metal ••4417
Fri 2 Oct
₹41,905
Autopay on
Pearl Reserve ••0386
Sun 11 Oct
₹6,120
Statement soon
Alerts
Swipe2:14 am
₹8,999 on Emerald ••2093. Was this you?
Voltmart Online. Tap No and the card freezes on the spot.
Four finishes, one hand of cards.
Every card drawn in layers: base, texture, sheen, engraving. No photos.
Marina Bank
Tide
••••  ••••  ••••  7751
Debit · 09/29
Arjun Raman
lumen
Marina Bank
Pearl Reserve
••••  ••••  ••••  0386
Credit · 09/29
Arjun Raman
lumen
Kaveri Bank
Emerald
••••  ••••  ••••  2093
Credit · 09/29
Arjun Raman
lumen
Nilgiri Bank
Summit Metal
••••  ••••  ••••  4417
Credit · 09/29
Arjun Raman
lumen
Ocean
Wave engraving under a glass sheen. Marina Tide, debit.
Champagne
Guilloche rings, dark ink for contrast. Marina Pearl Reserve.
Emerald
Faceted like a cut stone. Kaveri Emerald.
Brushed graphite
Two layers of hairlines at 1px and 7px. Nilgiri Summit Metal.
Never pay a late fee again.
Kaveri Bank
Emerald
••••  ••••  ••••  2093
Credit · 09/29
Arjun Raman
lumen
Due in 4 days
₹23,480
Pay now
swipe
Every card, every due date, a nudge four days out.
A Goat Scale concept
swipe14 Sep – 11 Oct 2026
Three bills.
One calendar.
Kaveri wants the 23rd, Nilgiri the 2nd, Marina the 11th. Swipe puts all three on one grid, so you never learn a date from a late-fee line.
MonTueWedThuFriSatSun
14
15
16
17
18
19Today
20
21
22
23₹23,480
24
25
26
27
28
29
30
1 Oct
2₹41,905
3
4
5
6
7
8
9
10
11₹6,120
Emerald
Kaveri Bank ••2093
Summit Metal
Nilgiri Bank ••4417
Pearl Reserve
Marina Bank ••0386
Tide
Marina Bank ••7751
Debit card. No bill.
The next one is four days away.
A Goat Scale concept
swipeDesign system · v1.0
Midnight
#070A16
Ink
#0D1328
Champagne
#E8D2A4
Emerald
#1FA37F
Ocean
#2F6FE0
Graphite
#4A4E57
Alert coral
#FF6B5E
Outfit · money and headlines400 / 500
₹23,480
Tabular figures, round zeros: 10:00
Manrope · interface500 / 700 / 800
Freeze card
Stops every payment, instantly.
Card parts, all drawn
lumen
Fictional network. No real logos.
Marina Bank
Tide
••••  ••••  ••••  7751
Debit · 09/29
Arjun Raman
lumen
Controls
Freeze card
Stops every payment, instantly
Pay ₹23,480
Icons · 1.7px stroke, 24 grid
Tab bar
Wallet
Designed by Goat Scale