Smarter recommendations

The core: the right card for every purchase, pure maths on your spend.

•Best card per merchant — Search a shop or category and Perqa ranks your wallet by what actually earns most — never by what a bank pays us.
•Knows your reward type — Filters to your preference — miles, cashback or store points — so you only see cards that fit how you want to be rewarded.
•Eligibility-aware — Accounts for income, age, residency and bank relationships, so it won't push a card you can't get or a tier you don't qualify for.
•Network-aware — Respects the Visa / Mastercard / Amex network you actually carry for each card.
•Overseas fee-aware — Abroad, it nets each card's foreign-currency fee out of the return — and surfaces fee-free FX wallets when they win.

Your wallet, tracked

Live status for every card so you never cap out or miss a bonus.

•Cap & bonus status — See at a glance whether each card is ready, near its cap, or maxed out for the cycle.
•Statement-date due dates — Per-card billing cycles and payment due dates, with reminders so nothing goes overdue.
•Quarterly progress — Cards like UOB One show "X/3 months qualifying" so you know you're on track, not just "locked".
•Multiple reward types — Hold miles and cashback cards together — Perqa optimises across all of them at once.

Rewards stacking & bill payments

Squeeze more from the cards you already own.

•Payment-rail stacks — Surfaces Amaze, Atome, Kris+ and ShopBack at the right moment to earn more on the same spend.
•Pay a bill by card — Income tax, rent, insurance and school fees via CardUp / Citi PayAll / SC EasyBill — with a clear "is it worth the fee?" verdict.

Points Vault

The fragmented mile-pool reality, made clear.

•Per-pool balances — Tracks each issuer's points pool separately — they're not interchangeable, so we don't pretend they are.
•Expiry warnings — Per-tranche expiry tracking, because points earned in different months expire on different dates.
•Real conversion value — Shows each pool's worth in airline miles and SGD at your own valuation.

Perks

Beyond the earn rate.

•Lounge, insurance, hotels, golf, limo — Every miles card's perks, verified against bank fact sheets — on the card's detail page.
•Filter by perk — Adding a card? Filter the catalog by the perk (or sign-up bonus) you care about.

Sign-up bonuses

Hit the spend target, claim the reward.

•Progress tracking — Tracks your spend toward each card's welcome-bonus minimum, with deadline nudges.
•Momentum prompts — When a bonus is within reach before its deadline, Perqa flags it on your home screen.

Statement import

Bring in your real spend, automatically.

•Any bank via PDF — Upload a PDF statement from any bank and AI reads the transactions — plus instant CSV / spreadsheet import for the major SG banks.
•Auto-reconciliation — Imported transactions are matched, deduped, and reconciled into your wallet.

Subscriptions radar

Stay on top of recurring charges.

•Recurring detection — Spots your subscriptions from your spend and tracks them on a calendar.
•Price-hike alerts & switches — Warns when a subscription's price jumps, and suggests a better card for it.

Insights & AI

Understand and ask.

•Monthly earnings & missed rewards — See what you earned, and where you left rewards on the table by using the wrong card.
•Ask Perqa — A built-in AI chat for card questions, grounded in Perqa's catalog and your wallet.
•Calendar & reminders — Due dates, bonus deadlines and subscription charges, with notifications.

Free to use — add your cards and start

Tell Perqa which cards you hold and it does the rest — the best card for every purchase, your caps and bonuses tracked, and the smart plays surfaced when they matter.

Try Perqa — free

See the latest changes on What’s new, or dive into the guides: rewards stacking and paying bills by card.

Everything Perqa does