碌邊張 SwipeWhich

SwipeWhich – Hong Kong Credit Card Rewards Calculator

Still wondering which card to use for this meal? SwipeWhich instantly compares 88 credit cards across Hong Kong, telling you which card earns the most cash back or frequent flyer miles for each transaction.

【Use】
1. Choose spending category (dining, online shopping, overseas, supermarkets, transportation, Octopus card top-up, etc., 12 types)

2. Enter amount

3. Instantly view the leaderboard – see which card offers the best value at a glance

【Main Functions】
• 88 Hong Kong credit cards × 12 spending scenarios, instant calculation

• Cash back and frequent flyer miles options, including transaction fees

• Automatic handling of cash back cap (max cap): helps you break down your spending and find the best combination

• 380+ merchant offers (designated restaurants, online stores, travel platforms, etc.)

• "Mark" records spending, showing you if you've used the wrong card and how much you've missed out on

• Smart suggestions: tells you which card to use to earn more

• Offers library: bank SMS/email limited-time offers, add to automatic calculation with one click

• Important date reminders: monthly statements, payment deadlines, annual fees, offer expiration

• Switch between Chinese and English interfaces anytime.

【Privacy First】 No registration or uploading of personal data is required by default – all calculations and records remain on your phone. You can choose to log in for cross-device cloud synchronization; if you don't log in, nothing leaves your device. Completely free and ad-free.

【Reminder】 All rebate rates are for reference only and are subject to the terms and conditions and merchant classification (MCC) published by the issuing bank. Offers are updated from time to time; please check the official bank information before making a purchase.