HK Miles

Summary

HK Miles is a smart finance tool built for Hong Kong credit card users, solving the problem of choosing the wrong card, exceeding caps, and missing rewards. Supports HSBC, Hang Seng, BOC, Citi, AEON, and other major banks. Auto-calculates miles and cashback, syncs via iCloud, fully private.

What is HK Miles?

HK Miles is a native iOS credit card rewards management system designed to handle Hong Kong banks' complex promotion rules. Enter your transaction amount, currency, and category—the system instantly recommends the card with the highest rewards and tracks each card's spending progress and caps. Supports custom HSBC Red Hot Rewards allocation, Hang Seng Travel Guru tier calculations, and integrates with iOS Shortcuts for Apple Pay auto-logging. All data is stored in your personal iCloud, bypassing third-party servers.

Core Capabilities

• Smart Card Advisor: Enter amount, currency, category—instantly ranks cards by highest rewards
• Real-time spending cap tracking: Auto-monitors quarterly, monthly, annual limits; adjusts calculations when exceeded
• Hong Kong bank-specific promotions: HSBC Red Hot Rewards, Hang Seng Travel Guru, BOC designated merchants, Citi threshold rebates
• Apple Pay auto-logging: Pair with iOS Shortcuts—log transactions in 2 seconds after tap
• iCloud privacy sync: Encrypted storage in personal iCloud; instant sync across iPhone and iPad
• Physical vs. online smart engine: Auto-detects transaction type, calculates capped rewards accurately
• Statement date reminders: Set statement dates per card; system auto-sends payment reminders

Pros

• Accurate complex promotion calculations: Natively understands Hong Kong banks' multi-tier reward structures—no miscalculations
• Lightning-fast logging: Merchant name optional, close immediately after logging; 2 seconds with Shortcuts
• Fully private: No third-party account registration; data locked in your personal iCloud
• Supports major bank cards: Covers HSBC, Hang Seng, BOC, Citi, AEON, CCB Asia, and popular cards
• Continuous card library updates: Regularly adds new cards and latest promotions to stay current

Positioning & best fit

HK Miles is designed for Hong Kong users who frequently use multiple credit cards and want to maximize rewards. Especially suited for finance enthusiasts who need to manage complex promotion rules, track spending caps, and log transactions quickly.

• Miles collectors: Need precise calculations on which card earns the most miles
• Cashback users: Want to maximize cashback on daily spending
• Multi-card managers: Hold 3+ credit cards and need to track each card's spending progress
• Privacy-conscious individuals: Prefer not to upload financial data to third-party servers