香港信用卡回贈優化 Hong Kong Credit Card Optimizer
每筆消費，最高回贈 Every Transaction, Best Rebate
輸入金額、消費類別及付款方式，HighCard 即時比對你錢包所有信用卡，揀出回贈最高嗰張，仲會自動追蹤每張卡嘅回贈用量同期限。 Enter the amount, one of 9 spending categories, and payment method (physical card / NFC mobile pay / e-wallet / FPS) — HighCard instantly compares every card in your wallet, picks the highest-rebate one, and automatically tracks each card's caps and promotion windows.
六大核心功能 Six Core Features
由收卡到分析、從本地到外幣，一個 app 搞掂晒。 From wallet setup to FX-aware analysis — everything in one app.
記錄你嘅卡組合 Record Your Card Portfolio
由 33+ 張香港信用卡入面揀返你手上有嘅，每張卡可獨立設定，App 之後嘅運算會圍繞你呢個組合。 Pick the cards you actually own from 33+ Hong Kong credit cards. Every recommendation downstream is calibrated to your real wallet.
逐筆交易分析 Per-Transaction Analysis
輸入金額、類別（食肆／網購／超市）同付款方式（實體卡／Apple Pay），即時運算每張卡實收回贈。 Enter amount, category (dining / online / groceries) and payment medium (physical card / Apple Pay) — instant rebate calculation across every card.
即時最佳卡推薦 Instant Best-Card Recommendation
不足一秒，HighCard 就會比對你錢包所有卡嘅回贈率、cap 同優惠期，揀出最高回贈嗰張，毋須再揭 T&C。 In under a second, HighCard ranks every card in your wallet by net rebate — no more digging through T&Cs at the cashier.
自動追蹤簽帳上限 Automatic Cap Tracking
好多優惠都有「每月最多 $5,000」呢類上限。HighCard 自動記錄你已用幾多、仲剩幾多，cap 滿前自動 fallback 去次佳卡。 Many promos have caps like "max $5,000/month". HighCard tracks how much you've used and how much room is left, and falls back to the next-best card before you breach the cap.
外幣消費自動換算 Foreign Currency Handling
海外簽帳？HighCard 會即時用即日匯率自動換算成港幣，再加埋每張卡嘅外幣手續費（FX surcharge）同跨境港幣手續費，計返淨回贈。 Spending overseas? HighCard converts using daily ExchangeRate-API rates (open.er-api.com), then layers in each card's FX surcharge and cross-border HKD fee to compute the true net rebate.
建議你應該申請嘅新卡 Suggest New Cards to Apply For
分析你過去嘅交易紀錄，回測你未持有嘅信用卡，揾出真正可以幫你提升回贈嘅新卡，唔使盲目申請。 Back-tests your spending history against cards you don't own yet, and surfaces only those that would actually lift your total rebate.
App 內畫面 Inside the App
由簽帳、推薦、追蹤到計劃交易，每個工具都為咗令你賺得更多。 From spending to suggestions to tracking — every screen is built to help you spend smarter.
使用方式 How It Works
三個步驟，輕鬆開始 Get started in three simple steps
加入你嘅卡 Add Your Cards
由 33+ 張香港信用卡揀你持有嗰啲，可用 Apple ID、Google 或訪客模式登入。 Select the cards you own from 33+ HK credit cards. Sign in with Apple, Google, or use guest mode.
輸入消費 Log Spend
輸入金額、類別、付款方式（必要時加幣種），即時知邊張卡最抵碌。 Enter amount, category, and payment method (plus currency for FX). Instantly see which card wins.
最大化回贈 Maximize Rebates
追蹤 cap、檢視統計、攞到應該申請邊張新卡嘅建議。 Track caps, review analytics, and get data-driven suggestions for the next card to apply for.
更多亮點 And More
雙語介面 Bilingual
完整繁體中文及英文 Full Traditional Chinese & English
Apple／Google 登入 Apple & Google Sign-in
安全快速，亦設訪客模式 Secure sign-in, or use guest mode
跨裝置同步 Cross-device Sync
資料自動雲端同步 Data syncs automatically via cloud
計劃交易 Planned Transactions
設定定期消費，自動納入計算 Set recurring spending; auto-tracked
分享為圖片 Share as Image
推薦結果一鍵 share 畀朋友 Share comparison results with friends
多種付款方式 Multiple Payment Methods
Apple Pay、Google Pay、FPS 等 Apple Pay, Google Pay, FPS & more
開始最大化你嘅回贈 Start Maximizing Your Rebates
免費下載。 Free to download.