CentZero vs 碌邊張 SwipeWhich

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

碌邊張 — 香港信用卡回贈神器 每次碌卡前一秒知邊張最抵 收錄 91 張香港信用卡、385+ 商戶優惠，揀好你手上有嘅卡，再揀消費類別（食飯、網購、超市、海外、交通、油站、八達通……），即刻排出邊張卡回贈最高，連爆 Cap 後嘅實際回贈都計埋 兩種模式 • 現金回贈：邊張 % 最高、上限幾多、爆咗點計 • 飛行里數：邊張 $/里 最抵，Asia Miles / Avios / 各里數計劃 記帳追蹤 記低每筆簽賬，自動睇住每張卡嘅回贈上限、最低消費門檻、銀行「簽滿 $X 賺 $Y」迎新進度，唔會白白蝕咗優惠。 貼心提醒 年費到期、月結單出單、最低消費未達標 —— App 內通知提你，慳返冤枉錢。 純本地、可離線 所有信用卡同商戶資料內置喺手機，飛行模式都用到。預設唔收集、唔上傳任何個人資料。 選用雲端同步 想喺多部機共用資料？可揀用電郵登入同步。完全自願，唔登入一樣用到全部功能；隨時可喺 App 內一鍵刪除帳戶。 資料以銀行官方條款為準，僅供參考。