Does SwipeWhich require sign-up or personal data upload?

No. The tool defaults to no personal data upload, all calculations are done locally, and it's completely free to use.

How many credit cards does the tool cover?

Currently covers 89 credit cards from major Hong Kong banks and virtual banks, across 13 spending categories like dining, online, and overseas transactions.

How does it handle reward cap situations?

The system auto-detects reward caps and suggests splitting amounts across other cards when limits are reached to maximize total cashback.

Does it calculate overseas transaction fees?

Yes. The tool automatically deducts overseas transaction fees (typically 1.95%) to show net cashback for accurate comparison.

碌邊張 SwipeWhich

Hong Kong credit card cashback comparison tool covering 89 cards and 13 spending categories (dining, online, overseas, Octopus top-up, etc.). Enter amount to get instant best-card recommendations, auto-calculates fees and cap splits. No sign-up, no data upload, completely free.

Visit 碌邊張 SwipeWhich

Summary

SwipeWhich is a free Hong Kong credit card cashback comparison tool covering 89 cards and 13 spending categories. Enter your amount to get instant best-reward recommendations with automatic fee and cap-split handling.

What is SwipeWhich?

SwipeWhich is a cashback calculator designed for Hong Kong consumers. Users input spending amount and category (dining, online shopping, overseas transactions, Octopus top-up) to instantly compare actual cashback across 89 credit cards. The tool auto-calculates fees, handles reward caps, and suggests card splits when limits are reached. Completely free, no registration required, and defaults to no personal data upload for privacy.

Core Capabilities

89-card database — covers major banks and virtual banks in Hong Kong
13 spending categories — dining, online, overseas, Octopus, supermarket, transport, entertainment, etc.
Instant cashback calculation — enter amount, get best-card recommendation
Auto fee calculation — deducts overseas transaction fees and other costs
Cap-split suggestions — auto-recommends splitting across cards when reward caps are hit
No sign-up, free — no account needed, defaults to no personal data upload

Pros

Instant comparison — know the best card immediately, saves manual calculation time
Comprehensive coverage — 89 cards, 13 categories for daily spending scenarios
Handles complexity — fees, caps, and split strategies calculated automatically
Privacy-first — defaults to no data upload, local calculation
Completely free — no ads, no fees, no registration

Positioning & best fit

SwipeWhich is built for Hong Kong credit card users who want to maximize cashback across different spending scenarios without manual calculation.

Multi-card holders — own multiple cards and want the best card for each transaction
Value-conscious consumers — care about cashback percentages, fees, and caps
Frequent overseas spenders — need to compare net cashback after foreign transaction fees
Octopus top-up users — looking for the highest cashback card for Octopus reloads