Kardia | Reward Calculator

Kardia helps you compare credit card rewards and work out which supported card may offer the best reward for an eligible purchase. Explore supported credit cards and current reward programmes from major issuers in Hong Kong, compare reward rates, and calculate potential cashback, points or miles based on merchant, spending category and amount. Key features: • Compare supported credit cards and reward programmes • Calculate potential cashback, points and miles • See relevant reward conditions, spending requirements and caps • Explore participating merchants on the map • Save selected cards and reward calculation records on your device • Receive notifications about selected card reward updates and promotions • Access selected features offline Kardia is an independent credit card reward comparison, calculation and optimisation tool. Kardia does not issue credit cards, process credit card applications, manage bank accounts, execute banking transactions, or provide licensed financial advice. Personal card selections and manually saved reward calculation records are stored locally on your device. Kardia does not require or collect credit card numbers, CVV/security codes, bank account numbers, or online banking credentials. Reward information may be subject to issuer terms, eligibility requirements, registration requirements, spending thresholds, caps and programme changes. Always confirm the latest terms with the relevant card issuer before making a financial decision.