CardM - Hoàn Tiền Thẻ Tín Dụng

Triple N

About this app

CardM — Your personal credit card and spending assistant, ensuring you never miss out on cashback, never forget payment deadlines, and always stay transparent about your finances with friends.

TRACK CASHBACK ACCURATELY DOWN TO EACH TRANSACTION

Pre-set cashback rules for each card: by category, MCC code, minimum spending threshold, monthly cashback limit, percentage tier based on total spending.
Each transaction automatically calculates the correct cashback amount, shows the status (Pending / Received / Ineligible), and provides reasons if rejected.

Warnings when you are about to reach/exceed your monthly limit, and suggestions on which card to use for each type of spending.

Includes a built-in MCC code dictionary, with support for international transactions and payments made on behalf of others.

NEVER FORGET YOUR STATEMENT DATE, PAYMENT DATE, OR ANNUAL FEE

Automatic reminders before statement closing dates and payment deadlines, customizable notice days in advance.

Track your current balance, amount due each period, and payment history.

Monitor your spending progress to avoid annual fee waivers and receive early warnings before fees are due.

MANAGE MULTIPLE CARDS & WALLETS SIMULTANEOUSLY

Credit cards, cash wallets, bank accounts — all in one place. Mark your favorite cards/wallets for quick access.

Group cards with shared credit limits (many banks offer this feature).

Transfer funds between wallets/cards and clearly record statement payments.

DEBT REGISTER — RECORD WHO OWES WHOM, HOW MUCH, AND WHAT INTEREST RATE

Record loans/borrowings, automatically calculate interest daily/monthly/yearly, and support mid-term interest rate adjustments.

Trackate how much has been paid and how much remains, automatically updating upon recording payments.

GROUP BUDGETING FOR TRIPS, PARTIES, AND SHOPPING JOINTS

Record each expense, who pays, and how much is divided among everyone — equally, in portions, or by any amount.

Automatically calculate who owes whom and suggest the optimal money transfer method (with the fewest transfers) for quick and efficient balancing.

Amounts you advance yourself are recorded as actual expenses, accurately calculated in your personal report, ensuring no duplicates or omissions.

Summary Table: How much each person has advanced, how much they actually have to bear, whether they need to contribute more or receive a refund — export a screenshot and send it directly to the group chat.

VISIONAL SPENDING PLANNING & REPORTING

Set spending limits for each category each month, receive alerts when you're about to exceed them.
Spending and refund charts by time, category, and card — compare this month with the previous month.
Customize report categories to suit your individual spending habits.
Quickly search transactions by note, amount, and related person; select multiple to delete/edit in bulk.

PRIVATE & SECURE

Data is stored directly on your device using a local database — no login required, try it now with sample data.

Optional cloud synchronization/backup, card number and CVV are always individually encrypted with a password you set.

Export/import data to files anytime, proactively back up as you wish.

No ads, no in-app purchases, no third-party tracking SDKs.
CardM is suitable for anyone using two or more credit cards who wants to optimize cashback, or who frequently goes out/eats with friends and is tired of manually calculating who owes whom.

Have suggestions or need support? Contact us in the app's Settings.

What’s new

- Tính hoàn tiền chính xác theo quy tắc riêng từng ngân hàng (MCC, bậc chi tiêu...)
- Quản lý nhiều thẻ tín dụng & ví cùng lúc, nhắc sao kê và hạn thanh toán
- Gợi ý thẻ tối ưu nên dùng theo danh mục/merchant sắp chi
- Báo cáo chi tiêu, báo cáo hoàn tiền, kế hoạch chi tiêu theo tháng
- Sự kiện, chia tiền nhóm, sổ nợ cho vay/đi vay tính lãi tự động
- Mã PIN mở app, mã hóa AES-256, sao lưu đám mây tùy chọn
- Dùng thử ngay với dữ liệu mẫu, không cần tạo tài khoản