Perqa
Singapore credit card rewards
Only for iPhone
Free · Designed for iPhone. Not verified for macOS.
iPhone
Now on iPhone. Find the best card to tap for every purchase — maximize cashback and miles, free. No bank login, ever.
The right card is already in your wallet. You're just not using it.
Every time you tap at FairPrice, Grab, Shopee or anywhere else, one of your credit cards earns far more cashback or miles than the others. Perqa tells you which one — instantly, before you pay.
HOW IT WORKS
- Search any merchant or category
- Perqa matches it against your cards' real cashback and miles rates
- You get the top pick from your own wallet — with the exact rate it earns
No guesswork. No spreadsheets. No switching banks.
BUILT FOR SINGAPORE
Perqa covers 100+ Singapore credit cards — cashback cards, miles cards and rewards cards across DBS, UOB, OCBC, Citi, HSBC, Standard Chartered, Maybank and more — with rates kept current.
WHAT'S INSIDE
- Instant best-card recommendations by merchant or category
- Your wallet, ranked by cashback or miles for any spend
- Ask Perqa — an AI assistant for "why this card?", "what did I earn?" and more
- Reward insights — see exactly what you've earned and what you've missed
- Points Vault — track your miles, KrisFlyer balance and expiry dates in one place
- Card details — every card's rates, fees and perks (lounge access, travel insurance and more)
- Sign-up bonus tracker — never miss a welcome-spend target
- Annual fee reminders — stay on top of fee-waiver conditions
- Payment calendar — never miss a statement or due date
YOUR DATA STAYS YOURS
- No bank login. Ever. Perqa never connects to your bank or asks for account numbers.
- Import a card statement and the PDF is read once, then discarded — we never keep the file.
- The transactions Perqa reads are stored securely in your account, visible only to you. Never sold, never shared.
- Delete your account anytime to erase everything.
Free to use. No subscription required.
Tap smarter.
The developer, FINLY LABS PTE. LTD., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Linked to You
The following data may be collected and linked to your identity:
- Contact Info
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- Purchases
- Location
- Search History
- Usage Data
- Diagnostics
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Provider
- FINLY LABS PTE. LTD.
- Size
- 26.4 MB
- Category
- Finance
- Compatibility
Requires iOS 15.0 or later.
- iPhone
Requires iOS 15.0 or later. - iPod touch
Requires iOS 15.0 or later. - Mac
Requires macOS 12.0 or later and a Mac with Apple M1 chip or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- Copyright
- © 2026 Finly Labs Pte. Ltd.