MileDeck

MileDeck is the credit card miles optimizer built for Singapore.

Stop guessing which card to tap. MileDeck instantly shows you the best credit card for every spending category — dining, groceries, online shopping, travel, transport, and more — based on the actual miles per dollar rates and bonus caps.

INSTANT CARD GUIDE Add your existing credit cards and immediately see which one earns the most miles for each category. No spending data required. The guide factors in bonus tiers, cap limits, and card priority so you always know which card to swipe first.

SMART OPTIMIZER Enter your monthly spending and let the algorithm find the mathematically optimal card portfolio. The solver factors in: • Miles per dollar rates across all categories • Monthly and annual bonus caps • Annual fees and fee waiver thresholds • Transfer costs between loyalty programs • Income eligibility requirements Choose your goal — maximize miles, net economic value, or lounge access — and get a tailored strategy in seconds.

CAP TRACKING Log your transactions and monitor bonus category caps in real time. When one card maxes out, MileDeck automatically shows you the next best option so you never waste spending on base rates.

BUILT FOR SINGAPORE Comprehensive database covering miles cards from UOB, DBS, Citi, OCBC, HSBC, Standard Chartered, and more. Includes hidden spending rules, merchant exclusions, selectable bonus categories, and facility payment rates (CardUp, PayAll).

100% PRIVATE No accounts. No servers. No data collection. Your financial information never leaves your device. All calculations run locally on your phone.

Download MileDeck and start earning more miles from every dollar you spend.