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Coming soon · Beta

Which card should you swipe? Ask SwipeWise.

A WhatsApp assistant that picks the best card from the cards you already own for every purchase, so you get the most cashback, reward points or air miles. It also reminds you before a payment is due.

Check your cardsJoin the waitlist
  • No card numbers needed
  • Right inside WhatsApp
  • Cancel anytime

See it for yourself

Ask. Get the answer. Swipe.

Before you pay at the counter, send one message. SwipeWise tells you which card gives you the most for that purchase, whether that's cashback, reward points or air miles.

  • Ask in everyday language, like messaging a friend.
  • Get an answer in seconds, with the estimated reward and what's left of your cap.
  • Every number is worked out by our own system, never guessed.

Example conversation with SwipeWise: You: Buying RM180 of groceries. Which card should I use? SwipeWise: Use Card B. 5% cashback on groceries. Estimated cashback RM9.00. Cap left this month after this purchase: RM18.00. Card A gives only 1%, which is RM1.80. You: What about a RM180 hotel booking? SwipeWise: Use Card D. 5x points on hotels: 900 points, about RM9.00. Estimated value, assuming 1 point is worth RM0.01. Card A gives only 1%, which is RM1.80. You: When is Card A due? SwipeWise: Card A's payment is due on the 15th of every month. I'll remind you 3 days before. Tip: pay in full to avoid interest.

How it works

Three steps. That's all.

No new app to download. It all happens in your WhatsApp chat.

  1. 1

    Tell us which cards you have

    Just once: the card name and statement date. No card numbers, no CVV.

  2. 2

    Ask before you pay

    “Buying RM180 of groceries. Which card should I use?” You get the answer in seconds, right in WhatsApp.

  3. 3

    Get the most rewards, plus reminders

    Cashback, reward points or air miles: we track each card's caps and remind you before payments are due, so you avoid late charges.

Features

Everything your credit card doesn't tell you.

Cashback, points and air miles terms are complicated. Let SwipeWise remember them for you.

  • The best card for every purchase

    Compares cashback, reward points and air miles across your cards for that purchase, including caps and conditions, then picks the one that gives you the most.

  • Payment reminders

    A reminder before each card's due date. Goodbye, late charges.

  • Monthly rewards report

    A summary every month: how much cashback, points and miles you earned, and how much you missed.

  • Annual fee tracking

    See how much more you need to spend, or how many more swipes, to get your annual fee waived.

  • Better monthly bills

    Internet, phone, insurance: we suggest which card to use for each recurring bill.

  • Privacy first

    No card numbers needed. We only need to know which type of card you have.

Do the sums

One card for everything? You could be losing out.

Move the sliders to see the difference between using one card for everything and picking the best card for each purchase.

Choose your monthly spending
RM600
RM250
RM400
RM300

Reward value, one card for everything: RM43.25. Best card for each purchase: RM81.50. Extra: RM38.25 a month.

One card for everything (Card C)RM43.25
The best card for each purchaseRM81.50

Example of the extra reward value

+RM38.25 /month

  • Groceries → Card B
  • Petrol → Card A
  • Food & drink → Card C
  • Online shopping → Card C

Illustrative example only, not a guarantee. Cards A, B and C and the rates and caps here are made up, and all rewards are shown as a value in RM. For reward points or air miles cards, SwipeWise converts rewards to an estimated RM value so they can be compared; the real value depends on how you redeem them and on your bank's terms.

Safe and responsible

Rewards are good. Peace of mind is better.

  • No card numbers

    We don't ask for them and we don't store them. Just the card name.

  • No CVV or bank logins

    No PINs, OTPs or passwords. Ever.

  • Spend within your means

    We'll never tell you to spend more to chase rewards.

  • Pay in full first

    Have an outstanding balance? We put paying it off first.

Pricing

Costs less than the rewards you're missing.

Pay first, cancel anytime. Your first payment is covered by a 7-day guarantee: not happy, ask for a full refund.

Monthly

RM19.90/month

  • Card suggestions for every purchase
  • Payment due date reminders
  • Monthly rewards report
  • Annual fee and bill tracking
Join the waitlist

3 Months

RM49/3 months

≈ RM16.33 a month

  • Card suggestions for every purchase
  • Payment due date reminders
  • Monthly rewards report
  • Annual fee and bill tracking
Join the waitlist
Best value · 33% less

Annual

RM159/year

≈ RM13.25 a month

  • Card suggestions for every purchase
  • Payment due date reminders
  • Monthly rewards report
  • Annual fee and bill tracking
Join the waitlist

Founding member

RM99 one-time · 10 places only

I'm interested

Launch prices in RM, subject to change. The price shown is the full amount you pay. Refund & cancellation policy

FAQ

Got questions? We've got answers.

Is SwipeWise safe to use?
Yes. We don't ask for card numbers, CVV, PINs, OTPs or bank logins, so we hold nothing that could be used to make a transaction. Data is stored on servers in Singapore, connections are encrypted and backups are encrypted too. Full details are in our Privacy Policy.
Do I need to give you my card number?
No, and please don't send it. We only need to know which cards you have (the bank and card name), plus your statement date and payment due date.
Does it work with reward points and air miles cards?
Yes. SwipeWise compares cashback, reward points and air miles. To compare them fairly, points and miles are converted to an estimated RM value based on typical redemption values. It's still an estimate: the real value depends on how you redeem them (for example vouchers, flights or transfers to a miles programme).
Which banks and cards are supported?
We're putting together the reward rules for popular cashback, reward points and air miles cards in Malaysia. The full list will be announced during the beta. Add your cards to the waitlist form so we can put them first.
What if my card's terms change?
Banks often change their rates, caps and point values. We watch for changes and update the card rules in our system, and every suggestion uses the latest rules we have. For the final word, always check your bank's terms.
Can I cancel anytime?
Yes. There's no contract. Monthly, 3-month and annual plans can be cancelled at any time: you keep access until the end of the period you've paid for, and there are no more charges. Your first payment is covered by a 7-day guarantee. Full details are in our Refund Policy. You can also ask us to delete your data.

Waitlist

Be among the first to try SwipeWise.

Sign up now and we'll WhatsApp you when the beta opens. Joining the waitlist doesn't commit you to subscribing.

Card names only. Never write a card number.