Know the best card to use before you pay
Cardelier knows the reward rules of your credit cards. Tell it what you’re buying and it picks the card that earns the most, and tells you how much.
Download on theApp StoreGet it onGoogle Play
Coming soon. Free to use.
Dinner for S$80, paid with Apple Pay
Use HSBC Revolution
+320miles
4 mpd on dining. S$914 of the S$1,000 bonus cap is left this month. UOB Lady’s Solitaire would earn the same but use up its own cap.
Earned so far in October
Across three cards
962miles
Every bonus cap in one list. UOB Lady’s Solitaire has S$630 left on dining and food delivery, HSBC Revolution S$914 on online and contactless.
Priority Pass lounge visits on DBS Altitude
Both still unused
2of 2 left
Benefits and welcome offers on each card’s page. This one needs S$800 spent within 61 days of approval.
Spent in October, four payments
Worth about S$14.43 in miles
S$288.90
Every payment and what it earned. The S$86 online order on HSBC Revolution brought 344 miles, the biggest of the month.
Log a payment in up to four taps
No bank login and no card numbers. You tell Cardelier what you’re paying for and it works out the rest from each card’s rules.
- 1
Choose what you’re buying
Pick from 14 categories such as dining, groceries, travel and online shopping.
- 2
Enter the amount
Say whether you’re paying with Apple Pay, a physical card or online, in SGD or another currency.
- 3
See which card to use
Cardelier shows the card that earns the most, the reason, and how the next best cards compare.
Everything about your cards in one place
Cardelier covers more than 100 cards from 12 Singapore banks across 14 spending categories. Each card shows its bonus caps, benefits and welcome offer, worked out from the payments you log.
Bonus caps
Cardelier tracks what you’ve logged on each card and shows how much of each bonus cap is left, so you know when to switch cards.
Benefits and welcome offers
Each card’s page shows lounge visits and other perks with how many are left, and progress against the welcome offer before its deadline.
Activity
Every payment you logged in a month, what each one earned, and the month’s total in miles and dollars.
All your cards together
Add the cards you hold once. Cardelier keeps their reward rules up to date and tells you when a rule changes.
Your bank details stay with your bank
Cardelier only needs to know which cards you hold and what you log.
- No bank login
Cardelier never connects to your bank. You log each payment yourself.
- No card numbers
It only needs to know which cards you hold.
- No account needed
Everything stays on your phone until you choose to sign in with Apple or Google and sync.
- Rules from the issuers’ terms
We compile each card’s rules by hand from the issuer’s published terms and check them regularly.
Get more from the cards you carry
Unlimited logging with no ads, reminders for caps and fees, and a review of which cards to keep or add. Every plan starts with a 7-day free trial.
- Unlimited logging, no ads
Free plans stop at 4 a day and 20 a month.
- Review my cards
Which card to cancel, which to add.
- Reminders that save you money
Caps nearly used up or reset, payments due, annual fees and benefits about to expire.
- Adjust what you’ve spent
Match any cap to your bank app.
- Export your payments
A spreadsheet of every payment, by month or all at once.
- Log with Siri and Shortcuts
“Log dining in Cardelier” opens straight to the amount.
Coming soon: widgets, miles goals, monthly recaps and more. Included as they arrive. Subscribe in the app once Cardelier is on the App Store; the price is shown there.
Questions
Is Cardelier free?
Yes. Recommendations are free with no limit. You can log 4 payments a day and 20 a month for free, and watch a short ad to log more. Cardelier Plus removes the limit.
Does it connect to my bank?
No. Cardelier never asks for your bank login or card numbers. You log each payment yourself.
Which cards does it cover?
More than 100 Singapore credit cards from 12 banks.
How accurate are the numbers?
We compile each card’s rules from the issuer’s published terms and check them regularly. Banks can change their terms at any time, so treat the numbers as estimates and check the issuer’s terms before relying on them.
When can I download it?
Cardelier is coming to the App Store for iPhone soon.
Start earning more on what you already spend
Coming soon to the App Store and Google Play.