KoKo Credit Card Assistant
Smarter, privacy-first credit card decisions powered by AI
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Madan Chaukulkar

KoKo Credit Card Assistant - Smarter, privacy-first credit card decisions powered by AI

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Koko is a privacy-first AI assistant that removes the guesswork from credit cards. It evaluates rewards, perks, and fees to help you use the right card at the right time and get more value from the cards you already carry — no bank logins, no data sharing, just smart AI-driven recommendations.

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Madan Chaukulkar
Maker
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Koko started as a small side project while I was helping my son figure out which credit card to use for everyday purchases. I realized how confusing the credit card world actually is for a consumer — even for someone who works in tech. Most of us already have 3–6 cards, yet there’s no simple way to know which one gives you the best value in the moment. And most tools out there focus more on selling you new cards than helping you make smarter decisions with the ones you already own. So I built Koko to make that part simple: a clean, AI-powered assistant that helps you get more value from your existing cards, without the noise. I’d love your feedback — there’s a feedback button on every screen, or feel free to reach out on LinkedIn or X if that’s easier. Thanks so much for checking it out and supporting the launch!
Madan Chaukulkar
Maker

One question I’ve been thinking a lot about while building Koko:

Most people already have multiple credit cards — but still feel unsure they’re using them correctly.

I’m curious:
👉 What’s the most confusing part of managing your credit cards today?

• Knowing which card to use?
• Understanding rewards vs annual fees?
• Tracking benefits you forget to use?
• Or something else entirely?

Koko is still early, and feedback from the Product Hunt community directly shapes what we build next. I’m reading and responding to everything — appreciate any thoughts 🙏