睇實際淨回贈See the actual net rebate
外幣簽賬、非本地商戶、電子錢包、指定商戶著數，會一齊放入比較，避免淨係睇表面百分比。Foreign-currency spend, non-local merchants, e-wallets and merchant offers are considered together instead of only headline rates.
香港信用卡回贈助手 Hong Kong credit card rebate assistant
High Card High Card
埋單前打開 High Card：揀場景、入金額，即刻排序你手上啲卡，展開睇明細，一撳記錄，回贈進度即時更新。 Open High Card before checkout: pick a scenario, enter the amount, rank your cards, inspect the details, log the transaction, and keep progress updated.
真實 app 畫面Real app screen
先揀簽賬場景
Start with the spend scenario
餐飲、網購、海外、交通、繳費，先揀啱場景，之後先計邊張卡最抵。 Pick dining, online, overseas, transport or bills first, then compare the best card.
- 54張卡54 cards
- 香港信用卡即時計Hong Kong card comparisons
- 219個優惠推廣219 promo IDs
- 計晒優惠、登記同迎新項目Offers, registrations and welcome rewards
- 即時匯率Live FX
- 外幣簽賬按即時匯率換算Foreign spend converted live
- 找卡數提醒Payment alerts
- 到期前提你找數Due dates stay visible
- cut卡提醒Cut-card alerts
- 想停用嘅卡唔使靠記性Track cards you plan to stop using
- 年費提醒Annual-fee alerts
- 收費月份早啲部署Plan before fees arrive
唔係普通信用卡目錄。 Not a card directory.
High Card 會按你手上嘅卡、今次簽賬場景、付款方式同已用優惠額度，幫你由埋單前一路跟到找卡數之後。 High Card uses your cards, spend scenario, payment method and used reward limits to help before checkout and after statement day.
簽賬規劃 Spend planner
由「下月預算」到「每張卡簽幾多」 From next-month budget to card-by-card allocation.
預先輸入餐飲、本地零售、網購、海外等預算，再標記可分單或單筆限制。High Card 會按你手上啲卡、已用優惠額度、簽賬要求同優惠上限，幫你估下月點簽先最抵。 Enter budgets for dining, local retail, online and overseas spend, then mark split or single-transaction limits. High Card estimates the best allocation across your cards, requirements and reward caps.
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先入預算Enter budgets
本月或下月想簽幾多，一次過分開餐飲、網購、外幣同其他類別。Split this-month or next-month spend by dining, online, overseas and other categories.
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02
講清可唔可以分單Set split rules
可分單、單筆限制、已用回贈上限同簽賬門檻都一齊計，唔靠心算。Split rules, single-transaction limits, used caps and spending gates are considered together.
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睇最佳分配Review allocation
直接睇每個類別建議用邊張卡、簽幾多同預計回贈率，少啲浪費優惠位。See which card to use for each category, how much to put on it, and the estimated return.
即時計算 Instant calculation
付款前，先知邊張卡實際賺最多。 Know the true best card before you pay.
High Card 唔係淨係睇名義回贈率。佢會將簽賬類別、商戶著數、付款方式、簽賬要求、優惠期同已用優惠額放埋同一個結果比較。 High Card goes beyond headline rates by evaluating category, merchant offers, payment method, requirements, windows and used reward room in one result.
- 支援實體卡、手機支付、電子錢包等常見付款方式Supports physical card, mobile pay, e-wallet and more
- 自動顯示達標、未達標或者已用盡優惠上限Surfaces requirement, eligibility and reward-limit states
- 結果可以直接記錄入回贈進度Results can be logged into progress tracking
結果明細 Result details
唔係淨係畀第一名你，仲要講清楚點解佢贏。 Not just the winner. The details explain why it wins.
展開結果可以睇到基本回贈、指定商戶額外回贈、距離簽賬要求、距離優惠上限、剩餘日數同記錄狀態。 Expanded results show base rebate, merchant bonuses, distance to requirement, reward-limit room, days left and logging state.
$609 / $3,000簽賬進度Spend progress shown
$7.9實際回贈Actual rebate shown
記錄、找卡數同 cut卡提醒 Logging, payments and cut-card reminders
一撳記低，簽賬紀錄、截數日、找數日同 cut卡提醒一齊跟。 Once logged, rewards, stats, payment dates and cut-card reminders move together.
每次簽賬可以即場記低，之後喺月曆睇邊日截數、邊日要找卡數、邊張卡差幾多先達標；想停用嘅卡亦可以設定 cut卡提醒。唔使自己開表格追住每張卡。 Log each transaction once, then use the calendar to track statement dates, payment due dates, progress to requirements and cut-card reminders.
- 卡數月曆集中睇，唔怕錯過繳款到期日Calendar view keeps due dates visible
- 交易紀錄可以按卡、商戶、類別同日期翻查Review records by card, merchant, category and date
- 找數、年費、優惠登記同 cut卡提醒都可以一齊跟Track payments, annual fees, registrations and cut-card reminders together
少啲心算，少啲中伏 Less guessing, fewer traps
High Card 係畀日常用卡人用：幫你賺多啲、找數易啲、避開隱藏收費。 High Card is for everyday card users: earn more, repay more easily and avoid hidden fees.
唔使逐張卡開條款No need to read every card term first
簽賬要求、優惠上限、剩餘日數同登記狀態會放喺結果旁邊，幫你快啲判斷今次用邊張。Spend requirements, reward limits, days left and registration status appear beside the result so decisions are faster.
找卡數同紀錄唔靠記性Payments and records stay organized
截數日、繳款到期日、年費月份同交易紀錄集中睇，減少遲找卡數同漏記簽賬。Statement dates, payment due dates, annual-fee months and transaction records stay in one place.
而家完整功能 Current function map
唔止計回贈，而係幫你管理用卡、記帳、找數同避收費。 More than rebate math: the whole card decision workflow.
商戶搜尋同場景選擇Merchant search and scenario pick
可以直接輸入商戶名，或者揀本地實體、本地餐飲、本地網購、海外網購、海外實體、交通、繳費、電子錢包同其他。Search merchants or choose local retail, dining, online, overseas, transport, bill payment, e-wallet top-up and other spend.
付款方式比較Payment method comparison
支援實體卡、網上入卡號、手機支付、AlipayHK、WeChat Pay、PayMe 等常見付款方式。Supports physical card, online card entry, mobile pay, AlipayHK, WeChat Pay and PayMe scenarios.
外幣簽賬同隱藏收費Foreign-currency spend and hidden fees
海外零售同海外網購可以估算匯率，並將外幣交易收費、跨境港幣交易收費計入淨回贈。Overseas retail and online spend can include exchange-rate assumptions, foreign-currency fees and non-local merchant fees.
即時排序同詳細計算Instant ranking and calculation details
同時睇最佳卡、全部卡、已持卡／全部卡切換、指定商戶著數、簽賬要求、剩餘日數同距離優惠上限。View best card, all-card ranking, owned/all card modes, merchant offers, requirements, days left and reward-limit indicators.
交易記錄、模板同修改Transaction log, templates and edits
結果可以直接記低；交易可以按商戶、信用卡、類別、付款方式、金額同日期篩選，常用簽賬亦可以儲存做範本。Log from results, filter by merchant/card/category/payment/amount/date, and save recurring inputs as templates.
回贈進度、跨卡上限同週期Progress, shared limits and cycles
按已記錄交易、簽賬要求、回贈上限、跨卡共享上限、每曆月／每結單週期／優惠期顯示進度。Tracks logged spend, gates, limits, shared card limits and reset cycles such as calendar month, statement cycle and offer period.
卡組合、登記狀態同本期簽賬Wallet, registrations and current cycle
集中管理我嘅信用卡、優惠登記、截數日、年費月份、本期簽賬、月度統計同回贈效率。Manage cards, offer registrations, statement days, annual-fee months, current-cycle spend, monthly stats and rebate efficiency.
卡數月曆同提醒Payment calendar and reminders
用月曆睇截數日、找數日、年費同自訂事項；提醒可以涵蓋找卡數、優惠登記、重要通知同攻略更新。Calendar view covers statement dates, due dates, annual fees and custom items; reminders can cover payments, offer registration, notices and guide updates.
本月/下月簽賬規劃This/next-month spend planner
預先輸入餐飲、網購、海外等預算，支援可分單/單筆限制，並計埋已用回贈上限去估最佳分配。Plan dining, online and overseas budgets, support split/single constraints, and consider used reward-limit room when estimating allocations.
下一張卡推薦同回測Next-card recommendation and back-test
按真實交易比較加卡前後，顯示每月可能多賺幾多、申請前檢查同推薦方法說明；排序唔會因合作連結改變。Back-tests before/after adding a card, shows monthly uplift, pre-application checks and methodology; ranking is not changed by affiliate links.
攻略、最新消息同搜尋Guides, news and search
資訊頁有信用卡攻略、條款更新、文章搜尋、分類標籤、書籤同文章詳情。The Info page supports card guides, terms updates, article search, category labels, bookmarks and article detail.
訪客、Apple/Google 登入、同步同支援Guest, Apple/Google sign-in, sync and support
可以用訪客模式開始；Apple／Google 登入後支援同步、通知中心、意見回饋、支援中心、私隱政策同帳號刪除流程。Start as guest; Apple/Google sign-in enables sync, notifications, feedback, support center, privacy policy and account deletion flows.
App 真實畫面 Real app screens
一套工具，由埋單前一路跟到找卡數後。 One toolkit for before and after every purchase.
埋單前，先畀 High Card 計一次。 Before you pay, let High Card calculate once.