Get it on
Google Play
perqa
The right card is already in your wallet.You’re just not using it.
Perqa tells you exactly which card to tap — for every merchant, every time.
Try it — no sign-up needed
Built on trust
Your finances stay yours.
No bank login. Ever.
Perqa never connects to your bank. We work with rate tables, not your account.
We don't see your balances or account numbers.
Zero visibility into your actual finances. We only know which cards you own — because you tell us.
Reward audit reads transaction names only.
To calculate what you earned — not to store your data. Nothing is retained after analysis.
What is Perqa
Stop guessing which card to use.
You own a wallet full of cards — each with different bonus categories, caps, minimum-spend tiers, and exclusions. Perqa keeps track of all of it, so you can just tap the best card without reading the fine print.
Never miss rewards
Tells you the exact card that earns the most at every merchant, in real time.
Know caps & tiers
Tracks your progress toward minimum-spend unlocks and warns when a cap is nearly hit.
Works across banks
Recommendations span your whole wallet — not just cards from one issuer.
How it works
Three simple steps.
Add your cards
Pick from 80+ modelled Singapore cards. No card numbers needed — just the cards you own.
Search any merchant
Type a shop name or category. Perqa ranks your wallet cards by the rewards you'll actually earn right now.
Tap the best card
Log the spend in two taps. Perqa tracks your cycle progress, caps, and tier unlocks automatically.
Why Perqa
The fine print, finally on your side.
Real rules, not averages.
Every card is modelled with its exact tiers, caps, minimum spend, and merchant exceptions — the stuff that actually decides your rate.
Cross-preference comparisons.
Earning miles? Perqa still tells you when a cashback card would beat it in equivalent value.
Exclusions handled honestly.
CPF, utilities, insurance, and wallet top-ups earn nothing on most cards — Perqa flags this and surfaces the rare exception cards that do earn.
Retroactive rate unlocks.
Spend logged before hitting a minimum gets upgraded to the bonus rate the moment you cross the threshold. No re-entry.
Made for Singapore.
From your favourite supermarket to your daily ride, Perqa knows how rewards work at the places you actually shop.
Built for Singapore
Your bank. Your merchants.
Perqa imports statements from every major Singapore bank and recognises the merchants you actually shop at.
Banks
Merchants we know
Insights
See what you’re leaving on the table.
Every month, Perqa shows you what you earned, what you missed, and which card you should have used. Spot patterns, not just totals.
Swipe to see more · illustrative numbers
Also in the box
Everything you need, nothing you don’t.
Smart search
Type a merchant or category. Instant ranked recommendations.
Audit My Rewards
Upload a PDF statement from any major Singapore bank. Our AI parser reads transaction names only — the file is discarded after extraction.
Payment reminders
Statement dates, due dates, and flags for suspicious charges.
No card numbers, ever
We never store card numbers, CVVs, or bank logins. Statement PDFs are read once and discarded.
Questions
Things you might ask.
When you upload a card statement, the PDF is sent over HTTPS to our parser, an AI model extracts the transaction lines, and the file is discarded — we never store the PDF itself. We never see or store your card number, CVV, or bank login credentials. Data stays in your account and is never shared or sold.
We're in beta and would love to have you onboard. Tell us what would add the most value to you — your honest feedback shapes what we build next.
All major Singapore banks (DBS, POSB, UOB, OCBC, Citi, HSBC, StanChart, AMEX, Maybank, Trust, CIMB and more). Over 100 Singapore cards are modelled with rate rules, tier caps, and merchant exceptions.
No. You can log a few manually to test, or run an Audit My Rewards once a month with a PDF statement from any major Singapore bank — Perqa's AI parser extracts the transactions, matches merchants, and reconciles what you've already logged. The PDF is read once and discarded.
Perqa models each card's bonus categories, rate caps, tier unlocks, cashback caps, and merchant exceptions — including the fine print banks hide in footnotes. If a rate or rule changes and we get it wrong, tell us and we'll fix it.
An Android app is in closed testing now and will be on Google Play shortly. The web app works on every phone today (Add to Home Screen for app-like behaviour). iOS will follow.
Ready to earn more on every swipe?
Takes under a minute to set up. No card numbers, no nonsense.
Free during beta · No card details required · Your data stays yours
Native app · coming soon
Get it on
Google Play
Same Perqa, native on Android. iOS to follow.