CentZero vs Perk Ledger

Stop paying credit card annual fees you don't have to. CentZero tracks your credit cards, alerts you before annual fees are charged, and walks you through the exact steps to get them waived — phone IVR paths, in-app routes, and chat shortcuts for each bank. Designed for cardholders in Hong Kong and Taiwan, supporting 21 major banks and 170+ card products with verified fee data. SUPPORTED BANKS • Hong Kong: HSBC, Standard Chartered, Citibank, Hang Seng, Bank of China, BEA, Amex, DBS, CCB Asia, BOCOM, ICBC Asia, CITIC • Taiwan: CTBC, Cathay United, E.SUN, Taishin, Fubon, Mega, First Bank, Hua Nan, HSBC Taiwan FEATURES • Track all your cards — fee amounts, charge dates, waiver status • Push notifications 14 days before any fee is due • Step-by-step waiver instructions for every supported bank • One-tap call or deep-link into your bank's app • Scan your card to auto-detect bank and card type (on-device OCR, nothing uploaded) • Track loyalty points and miles with expiry alerts — Asia Miles, Avios, yuu, and 20+ programs 100% FREE No paywalls, no subscriptions, no hidden fees. Your annual fee savings are yours to keep. PRIVACY FIRST CentZero never stores card numbers or sensitive financial data. Card scanning is processed entirely on your device. Terms of Use: https://walkprints.github.io/CentZero/terms.html Privacy Policy: https://walkprints.github.io/CentZero/privacy.html

Perk Ledger helps you track credit card benefits, recurring statement credits, annual fees, and real-world perk usage in one clean dashboard. Keep track of monthly, quarterly, semi-annual, and annual benefits across all your cards while seeing how much value you are actually getting each year. FEATURES • Track multiple credit cards • Add recurring benefits and credits • Support for monthly, quarterly, semi-annual, and annual perks • Log full or partial usage entries • Back-date usage entries • Track remaining credits for the current period • View effective annual fees based on actual usage • Portfolio-level summaries and analytics • Archive inactive cards • Edit or delete usage history • Privacy-focused local storage using on-device SwiftData Perk Ledger is designed for users who want a clean, organized way to manage card benefits without connecting bank accounts or sharing financial credentials. NO BANK CONNECTIONS Perk Ledger does not connect to your bank account or credit card accounts. All tracking is entered manually and stored locally on your device. PRIVACY FIRST Your data stays on your device. No account creation required. Perfect for tracking: • Dining credits • Airline fee credits • Hotel credits • Streaming credits • Lounge access usage • Travel perks • Companion certificates • Annual card value