KaCard vs Last Payment

KaCard is the ultimate credit card management app designed specifically for Hong Kong users. Discover which card offers the best rewards for dining, travel, shopping, and more - all in one smart, secure app. Key Features: - Secure Card Management: Add and organize all your cards in one app - Smart Card Search: Instantly find the best card for any spending category or merchant - Card Analytics Dashboard: View total card count, category distribution to understand your cards more - Smart Billing Calendar: Never miss a payment with intelligent reminders - Offline First: Works without internet - all your data stays on your device Download KaCard today and start earning more rewards on every purchase!

Tired of forgetting due dates and paying late fees? Last Payment keeps every bill, loan and subscription in one calm list. No account, no internet, no data leaving your phone. WHY LAST PAYMENT? • 100% offline and private: your financial data never leaves your device. No sign-up, no server, no data breaches. Delete the app and the data goes with it. • Unlimited tracking: add as many bills, rent payments, credit cards or loans as you need. No hidden limits. • Any rhythm: weekly, every 2 weeks, monthly, yearly, installments (counting up 3/12) or one-time. Set it once. • Missed months don't disappear: skip a month and it stays on your home screen as an overdue badge until you settle it, one tap at a time. • Record what you actually paid: gas isn't the same every month. Enter the real amount and every period keeps its own figure. • Skip a period: an unused subscription or a postponed fee leaves the overdue list without counting as paid. • Home screen widget: your next payments at a glance, overdue first. On iOS. • Reminders that don't give up: an advance heads-up at 09:00, a due-day alert at 15:00 and a follow-up if the payment slips. Tap a notification to open the payment. • Analytics that tell the truth: totals built from real amounts, a payment-by-payment breakdown and a history chart for each payment. • Timeline: the full history of every payment, month by month. Paid, unpaid, skipped, ended. • A backup you own: export everything to a file and restore it later, merging or replacing your list. • Dark and light mode, 6 languages, any currency. GO FURTHER WITH PRO • Reminders any number of days ahead • Trend, forecast and consistency cards in Analytics • Export your history as CSV or PDF • Full widget view: every upcoming payment, not just the next one WHAT CAN YOU TRACK? • Rent, mortgage and HOA fees • Electricity, water, gas and internet • Credit card payments and installments • Personal debts and loans • Digital subscriptions and gym memberships • Insurance and yearly fees Download Last Payment and stop paying late fees.