Match every applicant to the right card — and get them to apply.
KonvoLead answers fees, rewards and eligibility from your verified card catalogue, recommends the card that fits how they spend, and moves them to the application.
Where card applications are lost.
“Which card should I get?” has no fast answer
Applicants compare fees, rewards and lounge access across issuers. Whoever answers clearly first gets the application.
Rewards maths gets misquoted
Points per ₹100, milestone bonuses, fee waivers — easy to get wrong, expensive when a rep does.
Applications stall after the first question
The applicant asked one thing, got a brochure PDF, and never came back.
They reach you, or you reach them. Same agent.
Inbound answers whoever contacts your number; Outbound opens conversations with a list you upload. Both qualify, request the specialist callback, and hand off to your team.
Answer, recommend, then apply
From your ads, website or a QR code at a branch: the agent answers the question asked, learns how the applicant spends, recommends one card with the reasons, checks eligibility on the basics, and shares your application link — or requests a specialist callback.
- Recommendation grounded in your card catalogue — fees, rewards, waivers as published
- Eligibility basics checked before the link is shared, so fewer rejected applications
- Existing cardholders routed to service, not sales
Upgrade, cross-sell and win-back campaigns
Upload an eligible base — pre-approved upgrades, dormant cardholders, a co-brand launch. The agent opens with an approved message, answers objections with published facts, and takes them to apply.
- Per-campaign channel strategy: WhatsApp, voice, or sequenced
- Declines and opt-outs recorded separately — a “not now” is not a “never”
- Every conversation attributed to its campaign for RoI
Every answer is traceable to a fact you approved.
Generic chatbots improvise. In credit cards, a wrong number is a lost deal or a compliance risk — so the agent answers only from facts you verified, with the source on every one, and says it will check when something is not on record.
- Verified knowledge base. Facts are structured and human-checked before the agent can use them.
- Provenance on every fact. Each answer carries its source — the document, page or website it came from.
- Accuracy measured, not assumed. Answers are continuously scored against your verified facts.
Warm leads get a specialist callback request. Everyone gets a brief.
Captured as they talk
Budget, preference, timeline and intent are recorded during the conversation — never asked twice — and shown on the lead’s page.
Requests the specialist callback
Agreed in the chat or on the call, inside your hours, and recorded for your team to confirm. A time that looks wrong is flagged rather than dropped, and the customer is never told it is booked until it is.
Human handoff with context
The right rep is paged on WhatsApp with the whole lead — who, what they want, and a one-line reason to call. The agent keeps answering routine questions meanwhile.
Can it recommend a card?
Yes — from your catalogue only, using how the applicant says they spend. It states the reasons (rewards rate, fee waiver, lounge access) with the source, and never invents a benefit.
Does it collect card details or documents?
No. It checks eligibility basics conversationally and hands the applicant to your secure application flow or a specialist. Sensitive data never passes through the chat.
What about existing cardholders who message the number?
They are recognised as existing customers and routed to service — never pitched a card they already hold.
See it answer your real credit cards questions.
A 20-minute walkthrough on your own material — in chat and on a call.