Cardinko

The right card, every time.

A free iPhone app for Singapore. Which card to use, how close you are to each cap, your miles in one place, and every due date.

Join the free betaWhich card for what?
Which card? screen recommending UOB Lady's Card at 4 mpd for Din Tai Fung
Which card?Search the shop. Get the card that earns the most, with caps and minimums counted.
Home screen with bonus cap, payment due and miles this month
At a glanceCaps used, payments due and miles earned this month.
Wallet screen showing miles across banks
One miles totalEvery bank's points added up, and how close your next trip is.
Payments calendar with card due dates
Due datesA reminder before every card is due.
Explore screen showing gaps in your wallet
ExploreWhere your wallet under-earns, and which card would fix it.
Checked against bank terms

39 cards, each from the bank's latest T&Cs, not blogs.

Easy cards first

Minimum spends and other hurdles are labelled, so headline rates don't mislead.

Private by design

No login, no bank linking, no referral links. Your data stays on your phone.

Free guides: the best card for…

Miles and cashback picks for each kind of spend, with minimum spends, caps and fees shown.

Dining Groceries Online shopping Overseas Grab and taxis All guides

Get the free beta.

For iPhone. We'll email you the TestFlight link.

We only email you about Cardinko, and you can ask us to delete your email any time.

Is it free?

Yes, the beta is free. After launch there will still be a free version.

Do I need to link my bank account?

No. You add the cards you have; there's no login and nothing connects to your bank. Your information stays on your iPhone.

Which cards are included?

39 popular Singapore miles and cashback cards from DBS, UOB, OCBC, Citi, HSBC, Standard Chartered, Maybank, Amex, Bank of China, Trust and MariBank, with new cards added as they're checked.

Android?

iPhone first. Join the list and we'll tell you if Android comes.