常去嗰幾間，快啲計到。Your regular places, ready to compare.
保存常用商戶同付款選項，下次食飯、買日用品或者網購，可以更快重用。Reuse saved merchants and payment choices for your regular meals, groceries and online shopping.
為香港日常用卡而設Made for everyday spending in Hong Kong
High Card.
每一筆，
都簽得精明。Make every
purchase count.
食飯、網購、去旅行，埋單前先計邊張卡最抵。
現金回贈、里數、找卡數，簽完都幫你跟到尾。Find the right card for dining, shopping and travel. Keep cashback, miles and payment dates in view after you pay.
唔使連銀行戶口 · 可以用訪客模式開始No bank connection · Start as a guest
由揀卡嗰刻，到下個月嘅部署。From your next purchase to next month's plan.
- 88 張卡 cards
- 香港信用卡比較Hong Kong credit cards
- 364 個 offers
- 優惠、登記及迎新項目Offers, registrations & welcome deals
- 現金 ＋ 里數Cash + miles
- 按你想儲嘅獎賞比較Compare your preferred rewards
- 最新匯率Latest FX
- 外幣簽賬換算，計埋收費Foreign spending, including fees
資料整理於 2026-09-12。優惠數目包括已收錄嘅過往及現有優惠、登記同迎新項目，唔代表全部同時適用。Catalog snapshot: 2026-09-12. The offer count includes historical and current offers, registrations and welcome deals; not all are available at the same time.
一個 App，照顧你成個用卡習慣One app, your whole card routine
賺多啲回贈，少啲掛心。More rewards. Less to keep track of.
埋單前，揀啱卡Choose before you pay
同一筆消費，計埋商戶、付款方式、優惠上限同手續費，再比較淨回贈。Compare rewards after merchant offers, payment conditions, limits and fees.
即時計回贈Compare rewards
每個優惠，跟到實Keep every offer in view
已賺回贈、距離達標仲差幾多、邊筆交易計入優惠，逐樣睇清楚。See earned rewards, remaining requirements and the purchases behind each offer.
追蹤優惠進度Track your progress
找數同 cut卡，唔靠記性Dates without the guesswork
找卡數、年費、cut卡同重新申請日程，一個月曆幫你安排。Keep payment, annual-fee, cancellation and reapplication dates in one calendar.
睇月曆同提醒Manage reminders
簽賬比較Before you pay
回贈有幾多，
計埋條件先知。The real return
is in the details.
同樣係網購，直接入卡號、Apple Pay 定電子錢包，結果可以好唔同。High Card 跟你今次嘅商戶、金額同付款方式，幫你比較手上啲卡。Card entry, Apple Pay and e-wallets can earn different rewards. Compare your cards using the merchant, amount and payment method for this purchase.
- 現金回贈同里數模式，按你目標揀Cashback and miles modes for different goals
- 基本回贈、額外優惠同收費分開睇Separate base rewards, bonuses and fees
- 外幣、海外商戶收港幣，先睇清楚淨回贈See net rewards for foreign currency and overseas HKD payments
記錄同優惠追蹤From spending to rewards
唔止洗咗幾多，
仲知賺咗幾多。Know what you spent.
And what it earned.
一撳保存簽賬，之後睇番優惠進度、每月消費同獎賞。要核對某個優惠？仲可以翻查相關交易，睇清楚每筆簽賬點樣計入去。Save a purchase and review your reward progress, monthly spending and earnings. Open an offer's transaction history to see which purchases contributed.
優惠交易明細Offer transaction history
合資格簽賬、已賺回贈、相關交易，一齊核對。Check qualifying spend, earned rewards and the related purchases together.
篩選後嘅消費總覽Totals that follow your filters
按卡、商戶、類別或日期，睇總消費、現金淨回贈同已賺里數。Review spending, net cashback and miles by card, merchant, category or date.
優惠上限同週期Limits and reward cycles
留意未達標、就快用盡同跨卡共用額度，安排下一筆更有數。Plan the next purchase around requirements, remaining limits and shared caps.
簽賬規劃Plan ahead
下個月點簽，今個月有底。Give next month's spending a plan.
由餐飲、網購到旅行預算，預先計好每張卡簽幾多，善用餘下優惠額度。Allocate dining, shopping and travel budgets across your cards and their remaining rewards.
- 01
輸入本月或下月預算Set this month's or next month's budget
按消費類別填金額，再揀可以分單，定係要一筆過簽。Enter amounts by category and whether each purchase can be split.
- 02
計埋手上啲卡同優惠額度Work with the cards you own
簽賬要求、已用上限同優惠期，一齊放入考慮。Account for requirements, used reward limits and offer periods.
- 03
睇每張卡應該簽幾多See a card-by-card allocation
睇清楚建議分配同預計回贈，唔使逐張卡自己試。Review suggested spending and estimated rewards without checking every combination yourself.
卡數月曆Keep important dates together
有幾張卡，
都唔使記幾套日子。More cards.
Fewer dates to remember.
截數、找數、年費月份，集中喺同一個月曆。想 cut卡或者之後重新申請，亦可以預先安排日程同提醒。Statement dates, payments and annual fees belong in one calendar. Plan reminders for cancellations and future reapplications too.
- 找卡數提醒Payment reminders
cut卡提醒Cancellation reminders
年費提醒Annual-fee reminders
重新申請日程Reapplication dates
用得愈耐，愈了解自己點用卡Build a better card routine
日常要用嘅，已經幫你諗埋。The everyday details, taken care of.
申請之前，先睇啱唔啱。Check the fit before applying.
用你已記錄嘅消費比較加卡前後，估算多一張卡可能多賺幾多，申請更有方向。Compare your recorded spending with and without another card to estimate the difference in rewards.
唔熟用卡，都可以慢慢上手。Get comfortable, one feature at a time.
由設定錢包、計回贈到睇優惠進度，跟住分章教學逐步了解，用到邊就學到邊。Follow chapters on setting up your wallet, comparing rewards and understanding progress.
想翻查嗰筆，唔使慢慢碌。Find the purchase you're looking for.
用月曆或者清單翻查記錄，按需要篩選、修改，常用簽賬仲可以儲成範本。Use calendar and list views, filter or edit your records, and save reusable transaction templates.
旅行同海外網購，計清楚先。Know your return when spending abroad.
揀幣種、換算港幣，查看匯率資料同適用收費，再比較實際淨回贈。Select a currency, review the HKD conversion and applicable fees, then compare net rewards.
由訪客開始，隨時接住用。Start as a guest. Keep going anywhere.
唔使連接銀行戶口。需要同步時，可以用 Apple 或 Google 登入，保存卡組合同交易資料。No bank connection needed. Sign in with Apple or Google to sync your cards and transaction records.
一定要登入或者連銀行戶口？Do I need to sign in or connect a bank account?
唔使。你可以用訪客模式開始基本比較。想喺唔同裝置同步錢包同交易資料，再用 Apple 或 Google 登入；High Card 唔需要你提供網上銀行密碼。No. Start basic comparisons as a guest. Sign in with Apple or Google when you want to sync your wallet and records. High Card does not need your online banking password.
回贈同里數係咪銀行實際發放嘅數字？Are the rewards the amount credited by my bank?
High Card 按你輸入嘅交易、登記狀態同已收錄條款作估算，唔會讀取銀行結單。最終回贈、里數及收費以發卡機構確認為準。High Card estimates rewards using your transaction, registration status and the terms in its catalog. It does not read your bank statement. Final rewards, miles and fees are determined by the issuer.
High Card 會自動幫我找卡數或者 cut卡？Does High Card pay bills or cancel cards for me?
High Card 幫你整理日程同提醒；找卡數、申請年費豁免、取消或者重新申請信用卡，都由你直接向銀行辦理。High Card organizes dates and reminders. You handle payments, fee-waiver requests, cancellations and applications directly with your bank.
下一張卡推薦係咪淨係睇最高回贈率？Does the next-card recommendation only look at the highest rate?
唔係。High Card 會按你已記錄嘅消費，比較加多一張卡前後嘅預計回贈，幫你睇邊張卡更啱自己嘅用卡習慣。結果只作估算，申請前仍然要睇清楚銀行條款。No. High Card uses your recorded spending to estimate rewards with and without another card, helping you find a better fit for your spending habits. Results are estimates; review the issuer's terms before applying.
下一筆，簽得更有數。Be ready for your next purchase.
