碌邊張 SwipeWhich

Swipe Which Limited

In-app purchases

About this app

SwipeWhich – Hong Kong Credit Card Rewards Calculator

Still wondering which card to use for this meal? SwipeWhich instantly compares 88 credit cards across Hong Kong, telling you which card earns the most cash back or frequent flyer miles for each transaction.

【Use】
1. Choose spending category (dining, online shopping, overseas, supermarkets, transportation, Octopus card top-up, etc., 12 types)

2. Enter amount

3. Instantly view the leaderboard – see which card offers the best value at a glance

【Main Functions】
• 88 Hong Kong credit cards × 12 spending scenarios, instant calculation

• Cash back and frequent flyer miles options, including transaction fees

• Automatic handling of cash back cap (max cap): helps you break down your spending and find the best combination

• 380+ merchant offers (designated restaurants, online stores, travel platforms, etc.)

• "Mark" records spending, showing you if you've used the wrong card and how much you've missed out on

• Smart suggestions: tells you which card to use to earn more

• Offers library: bank SMS/email limited-time offers, add to automatic calculation with one click

• Important date reminders: monthly statements, payment deadlines, annual fees, offer expiration

• Switch between Chinese and English interfaces anytime.

【Privacy First】 No registration or uploading of personal data is required by default – all calculations and records remain on your phone. You can choose to log in for cross-device cloud synchronization; if you don't log in, nothing leaves your device. Completely free and ad-free.

【Reminder】 All rebate rates are for reference only and are subject to the terms and conditions and merchant classification (MCC) published by the issuing bank. Offers are updated from time to time; please check the official bank information before making a purchase.

What’s new

撳個總數，就見到回贈點計出嚟。

• 計數機：撳推薦卡嘅總回贈，展開逐段計法 — 首幾多錢用邊個率、之後用邊個率、優惠同手續費各佔幾多、合共同實際率。混合模式同時有里數同現金時，會顯示「里數 + 現金 ≈ 價值」。
• 記帳：一筆記錄喺列表、編輯頁、本月交易同月總額都係同一個數。爆咗當月額外回贈上限時按日期先到先得分配，編輯頁直接話你實收幾多。
• 計數機計得更貼條款：外幣手續費只扣一次、蝕錢顯示紅色負數、中銀狂賞派同狂賞飛跟返每月上限同門檻規則。
• 滙豐最紅自主：揀咗非指定商戶（例如惠康、7-Eleven、Agoda）唔會再誤計加碼，返回基本 0.4%。