Your cards, maxed. Without the spreadsheet.
TapKaki shows which of your cards earns the most at each shop, keeps count of your bonus caps and minimum spend, and warns you when a bank changes the rules. Works with Visa, Mastercard and Amex. No card numbers, no bank logins.
Left on the table this month.
About S$260 a year, from just five payments.
Card rewards in Singapore have turned into homework
Five cards, each with its own bonus categories, caps and minimum spend. Most of us guess at the till.
Forum members describe it as “troublesome to track”Utility bills are excluded on almost every card, and transit-wallet top-ups (6540) earn nothing on most. Some shops code differently than you'd expect.
The MileLion, 2026Caps reset monthly, some by calendar month and some by statement month. People keep spreadsheets, or simply lose track.
Seedly members asking for “one app” that alerts at the capBanks trim rates and caps often, and KrisFlyer award prices rose 5–20% in Nov 2025. You usually find out after the bonus is gone.
Time Out Singapore; FlyerTalkToday's automatic trackers mostly follow Visa cards only, because Visa is the network that offers a transaction feed. Many popular miles and cashback cards are Mastercard or Amex. TapKaki covers every card you hold.
Three steps, about ten seconds at the till
Add your cards
Pick from 100+ Singapore credit cards. Names only, never numbers.
Pick the shop
Search it, or let TapKaki find where you are. You get your cards ranked in dollars, with the reason.
Tap and track
Log the spend in one tap, and your caps and minimum spend update. Forwarding your bank's alert emails to do it for you is planned.
Everything the separate tools do, in one place
Tell us which two matter most when you join. We'll build those first.
Best card at the shop At launch
Ranked by real dollar value, with caps, minimum spend and exclusions counted.
Cap and minimum-spend tracker At launch
See what's left on every card this month, on Visa, Mastercard and Amex alike.
Rule-change alerts At launch
A heads-up when one of your cards changes, with a link to the bank's own wording.
MCC lookup At launch
Find a shop's merchant code before you pay, confirmed by other users' receipts.
Household wallet Planned
For couples and families: see whose card should pay, and track shared caps.
Telegram bot Planned
Ask in plain words and get your best card back.
“best card for Grab, $25?”Every answer shows its receipt
- The bank's own wordingEach rule links to the bank's T&C page and quotes the clause.
- Checked daily, datedYou see when a rule was last checked, and a badge if a bank changed it.
- Confirmed by people like youMerchant codes go live when several users' receipts agree.
- Rankings are never for saleIf a bank partners with us, it's labelled. The order never changes.
- Nothing sensitiveNo card numbers, no bank logins, no CVV. Ever.
- Rule
- 4 mpd on the first S$1,000 of tap spend each calendar month, then 0.4 mpd
- Source
- Bank T&C, clause 3.2:
…bonus points shall be awarded on Eligible Contactless Transactions up to S$1,000 per calendar month…
- Checked
- 31 Oct 2026, 06:02 SGT
- Community
- 37 users confirmed 5814 at this shop this month
Join the beta. Help us build it.
The first 1,000 people on the list get the beta first, and Premium free for the first year if we add one.
- Your answers decide which features we build first
- Takes about a minute
- No spam. One email when the beta opens, plus the odd update
Thanks. We'll be in touch.
We'll email you when the beta opens in early 2027. Your answers go straight into what we build first.
Know someone juggling 4 or more cards? Send them this link:
Good to know
Is TapKaki free?
Yes. Finding the best card will always be free. We may add an optional Premium plan later for cap tracking and alerts. Your answers above help us decide.
Which cards will you cover?
At launch, the 40 most-used cards from DBS/POSB, UOB, OCBC, Citi, HSBC, Standard Chartered, American Express, Maybank, Trust and GXS. More follow soon after, in the order our members ask for them.
Do you need my card number or bank login?
No. You only tell us which card products you hold, such as “Card X Visa”. We never ask for card numbers, CVVs or bank logins.
Is this financial advice?
No. TapKaki shows general information taken from each bank's published terms and conditions. The bank's own terms always take priority.
How will TapKaki make money?
Some banks pay a fee when you choose to apply for a new card through us. Any such card is clearly labelled, and it never changes the rankings. Later, there may be an optional Premium plan.
When can I use it?
The beta opens to people on the waitlist in early 2027, starting with the first 1,000 sign-ups.