Ching vs iCardRewardsHK

Ching is an automatic expense tracker designed for Hong Kong. Snap receipts, log Apple Wallet taps automatically, no bank login. • Receipt Photos Snap a paper bill, or pick a PayMe, Octopus or bank payment screenshot from your album. Ching reads the amount, merchant and date; you tap to confirm. 3 images a month on Free, 300 on Ching Pro. Cloud reading is its own opt-in switch. • Auto-Log Card Taps (requires iOS 27) Add one Ching Shortcut. When a card in Apple Wallet is used, or PayMe tells you money has arrived, Ching posts a notification and one tap confirms the entry. Set it up once. • Quick Manual Entry Expenses, income and transfers in seconds. Merchant categories that learn, multi-currency with live rates, recurring transactions, category budgets, and stock FIFO cost tracking. • AI Spending Insights Monthly spending analysis and trend statistics for tracking where your money goes. Informational only — see disclaimer below. • Cloud Backup (Ching Pro) Encrypted backup. Restore on a new phone in one step. • Privacy First Ching never asks for your bank password and never connects to your bank account. Data stays on your device by default; cloud reading and AI Spending Insights are separate opt-in switches. Free: Unlimited* tracking · Basic stats · 3 AI Spending Insights/month · 3 image reads/month · 3 category budgets Ching Pro: HK$28/month or HK$238/year — Unlimited* AI Spending Insights · 300 image reads/month · Cloud backup · Unlimited* category budgets *Fair-use limits apply to prevent abuse. Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel any time in your App Store account settings. Made by an independent developer in Hong Kong. Questions? We'd love to hear from you. Important Disclaimer Ching is a personal expense-tracking tool, not a financial advisor. All content — including AI-generated spending insights — is strictly informational and must not be relied upon as investment advice, a recommendation to buy or sell any security, a solicitation, or any form of regulated financial advice. Ching does not hold any licence from the Hong Kong Securities and Futures Commission (SFC) or any other regulator, and does not carry on any regulated activity under the Securities and Futures Ordinance (Cap. 571). Always consult a qualified, licensed professional before making financial decisions.

iCardRewards HK 專為香港信用卡用戶而設，幫助你輕鬆追蹤各張信用卡的最新優惠及消費進度，不再錯過任何現金回贈或獎賞。 【主要功能】 優惠資訊 -最新銀行信用卡優惠一覽 -涵蓋飲食、購物、旅遊、日常消費等多個類別 優惠追蹤 -一覽各信用卡的現有優惠 -記錄每筆消費，自動計算累積消費進度，清晰顯示距離目標還差多少 -優惠到期日提示，把握每個獎賞機會 多卡管理 -同時管理多張信用卡 -快速查看每張卡的當前消費及優惠狀態 消費記錄 -簡易記帳，支援多種付款方式 -入帳功能，輕鬆記錄每日、每週或每月固定支出 -月度收支分析圖表，掌握個人財務狀況 【免責聲明】 本 App 所有優惠資訊均轉載自各銀行及商戶官方渠道，僅供參考。優惠詳情及條款以各銀行官方公佈為準，本 App 不承擔任何因資訊差異而引起的損失或責任。