High Card: Cashback Helper

Enter an amount, category and payment method. High Card compares expected cashback across your cards and tracks caps, registrations and statement cycles.

Open High Card before you pay. In about 3 seconds, it helps you find which credit card may earn the highest cashback or miles for this purchase.

High Card currently supports 52+ Hong Kong credit cards and covers 186 active cash rebate, miles and promotional calculation rules across major Hong Kong credit cards. 34 supported cards can show both cash rebate and miles reward modes. We monitor public bank terms and offer changes, and keep the calculation logic updated so you can make better use of every dollar you spend.

High Card is built for Hong Kong credit card users as a cashback comparison, miles calculation, offer tracking and spend planning tool. Enter the amount, category, payment method and date, and High Card estimates cash rebate or miles return based on your cards, registration status, reward caps, minimum spend rules, statement cycles and public terms.

Compare Before You Pay

For dining, online shopping, supermarkets, overseas purchases, e-wallets, bill payments and other spending, compare expected rewards before checkout. Results show ranking, net reward, eligible offers, payment limits, foreign currency fees and why a card may be better.

Cashback and Miles Calculation

High Card supports cashback cards, points conversion and miles cards. For cashback cards, it estimates net rebate amount and rate. For miles cards, it shows miles return, eligible categories and promotional components, making different reward types easier to compare.

Reward Progress and Offer Tracking

High Card organizes progress for each card and offer, including used spend, remaining headroom, registration status, minimum spend, reward caps and reset cycles. When an offer is close to its cap, not yet met or requires a specific payment method, you can see it earlier.

Spend Planning

Beyond single-transaction comparison, High Card supports spend planning. See which cards still have spending thresholds, which offers still have quota, and how to allocate spending across cards to improve overall reward efficiency. For multi-card users, this helps manage the whole portfolio.

Overview, Statistics and Transaction Records

After saving a calculation as a transaction, review monthly spending, category distribution, actual rewards, frequently used cards and recent transactions in Overview, Statistics and Records. Monthly review helps you understand which categories and cards perform better.

Card Calendar and Reminders

High Card provides card cycle and repayment date management, helping you organize statement dates, repayment rhythm and monthly card arrangements, reducing the chance of forgetting dates or mixing up cycles.

New Card Suggestions

High Card can back-test cards you do not hold against your spending records and estimate extra rewards after applying. Compare uplift across dining, online shopping, overseas spending, retail and other categories, then view application details or official information. Results are for reference only.

Information and Credit Card Guides

The app provides credit card guides, offer summaries, terms updates and personalized content. Some articles link to related cards, offers or spend simulations, so you can move from reading information back to actual calculation and card decisions.

Optional Sign-in and Sync

You can use the basic comparison features without signing in. After signing in, transactions, wallet, settings and card portfolio data can sync across devices. High Card does not require connecting a bank account, does not process payments, and does not read SMS, contacts or location.

Important Notice

High Card is an independent third-party tool. It is not a bank, card issuer or payment service provider. Information in the app is compiled from public materials and terms, and does not constitute financial advice. Final cashback, miles, fees, eligibility, approval results and offer terms are always subject to the latest announcements from the relevant card issuer.