Perqa

The right card is already in your wallet. You're just not using it.

Every time you tap at FairPrice, Grab, Shopee or anywhere else, one of your credit cards earns far more cashback or miles than the others. Perqa tells you which one — instantly, before you pay.

HOW IT WORKS

• Search any merchant or category
• Perqa matches it against your cards' real cashback and miles rates
• You get the top pick from your own wallet — with the exact rate it earns

No guesswork. No spreadsheets. No switching banks.

BUILT FOR SINGAPORE Perqa covers 100+ Singapore credit cards — cashback cards, miles cards and rewards cards across DBS, UOB, OCBC, Citi, HSBC, Standard Chartered, Maybank and more — with rates kept current.

WHAT'S INSIDE

• Instant best-card recommendations by merchant or category
• Your wallet, ranked by cashback or miles for any spend
• Ask Perqa — an AI assistant for "why this card?", "what did I earn?" and more
• Reward insights — see exactly what you've earned and what you've missed
• Points Vault — track your miles, KrisFlyer balance and expiry dates in one place
• Card details — every card's rates, fees and perks (lounge access, travel insurance and more)
• Sign-up bonus tracker — never miss a welcome-spend target
• Annual fee reminders — stay on top of fee-waiver conditions
• Payment calendar — never miss a statement or due date

YOUR DATA STAYS YOURS

• No bank login. Ever. Perqa never connects to your bank or asks for account numbers.
• Import a card statement and the PDF is read once, then discarded — we never keep the file.
• The transactions Perqa reads are stored securely in your account, visible only to you. Never sold, never shared.
• Delete your account anytime to erase everything.

Free to use. No subscription required.

Tap smarter.