From Plastic To Power: How Ashish Lath Turned Credit Cards Into Real Savings
This season on Shark Tank India, one startup managed to completely change the conversation around credit cards. As soon as Ashish Lath, a founder from Gurugram, stepped onto the stage, he made a claim that stunned both the sharks and the audience. By using credit cards intelligently, he said, he had taken more than 400 flights without spending money from his own pocket.
What followed was more than just a pitch. It was a story built on experience, data, and a deep understanding of how everyday financial habits can be transformed with the right system. That system is SaveSage, an AI-powered platform designed to help credit card users extract real value from their reward points.
An Idea Born from Experience
Ashish Lath has worked with several large companies and spent a significant part of his career alongside entrepreneur Kunal Bahl. During his corporate journey, he noticed a recurring problem. People used credit cards regularly, yet their reward points often expired unused. Despite earning benefits, most users lacked the knowledge to redeem them effectively.
Friends and colleagues frequently asked him about deals, points, and rewards. Over time, Ashish realized that the real issue was not a lack of rewards, but a lack of clarity. People were losing money simply because they did not know how to use what they had already earned.
This gap led him to launch SaveSage. He set up the company in October 2023 and began working on the product full-time by April 2024, with a clear goal: make credit card rewards simple, visible, and actionable.
430 Flights, 100+ Hotel Nights—All Free
The numbers Ashish shared on the Shark Tank stage sounded almost unreal. Over the past ten years, he claimed to have redeemed reward points for 350 domestic flights, 80 international flights, More than 100 hotel nights and jewellery worth nearly ₹15 lakh. All of it came from credit card reward points. No cash payments. No shortcuts. Just careful planning and informed decisions.
Ashish currently uses around 15 different credit cards and chooses the most rewarding one for every transaction. His method relies on structure, not impulse.
What SaveSage Actually Does
SaveSage addresses a problem many users overlook. India has nearly 110 million credit cards, and the average user holds about 1.5 cards. While most people earn reward points, very few maximize their value.
SaveSage analyzes a user’s spending patterns and studies reward structures across multiple credit cards. It then tells users which card to use for a specific transaction to get the highest benefit. The platform tracks reward points, sends alerts before they expire, and highlights deals users often miss.
In simple terms, SaveSage turns confusion into clarity.
The platform does not promote unnecessary spending. Instead, it encourages smart spending, where each swipe serves a purpose.
Meet ‘Savvy’: The 24×7 AI Assistant
One of SaveSage’s standout features is its AI agent, Savvy. Designed as a virtual assistant, Savvy works around the clock to support users. People can interact with it, ask questions, and get personalized advice on reward usage.
In the future, Savvy will act even more proactively. It will redeem reward points on behalf of users and manage benefits automatically, making the entire credit card experience seamless and intelligent.
Redefining the Role of Credit Cards
SaveSage challenges a long-standing perception. Credit cards often carry a negative image, associated with debt and overspending. Ashish Lath’s approach reframes them as financial tools that can create value when used responsibly.
By combining data, discipline, and AI-driven insights, SaveSage shows that credit cards do not have to be a liability. Used wisely, they can become a powerful source of savings, travel, and real rewards.
On the Shark Tank India stage, Ashish proved that smart systems—not shortcuts—can turn everyday spending into meaningful gains.
