Paraz

Muhammed Ali Bayat

About this app

Paraz is an app that calculates "which card should I use to pay for this, and how?" before you even shop. It's not a campaign list, but a calculator based on the cards you already have.

**SPLIT AMONG CARDS**
Enter the amount and category. Paraz checks the cards in your wallet, takes into account campaign conditions, minimum limits, and earnings ceilings, and tells you how to split the purchase among your cards. You'll see the result with a difference compared to a normal bill, like "+330 TL extra". Each card shows you how much it will earn and under what conditions, line by line.

**SPENDING PLAN**
Plan your monthly expenses in advance. Groceries, clothing, electronics, food: enter the amount for each item, and Paraz will figure out which card to use for each item based on the current campaigns for that month. You'll see how much you'll earn before the end of the month, and the plan will be updated if conditions change.

**PAY WITH A GROUP**
We're having dinner with friends, who's going to pay the bill? Create a group, and everyone can add their cards. Paraz examines the cards on the table and tells you who will earn the most by paying the bill, calculating how you can split the difference.

LATE PAYMENT CARD
If there are two cards offering the same reward, Paraz checks the statement date and prioritizes the one with the latest payment date. Cash stays in your pocket longer.

TERMS AND LIMITS ARE CLEARLY VISIBLE
Every result provides the answer to the question "why this card?": minimum limit, maximum reward, required number of purchases, campaign participation conditions, and the bank's resource page. Paraz does not guarantee any reward; you read the terms and conditions and make your own decision.

WALLET AND POINTS
Add the cards you use; calculations are based only on your cards. Track your points card by card. If you wish, set a monthly limit for each card; Paraz will warn you if you exceed the limit.

ARE YOU A YOUNG CARD HOLDER?
By adding cards specifically for young people, campaigns open only to those cards are also included in the calculation.

YOU'LL ALSO SEE THE CAMPAIGNS
Current campaigns from banks in Türkiye are all in one place, with end dates and source links. But with Paraz, you don't search for campaigns; you enter the amount and find out which card to pay with.

Paraz is not a bank; it doesn't take payments, give loans, or ask for card numbers. You only add card products to your wallet. Banks determine the earnings through their campaign terms; Paraz calculates, and the bank pays.

You can start using it without logging in. Free membership is sufficient for wallets, plans, and groups. Pro features are available to everyone during the launch period.