Which card should
you use today?
Tell SVVAP AI which credit cards you have and where you're spending — get instant recommendations for maximum rewards.
How It Works
Three steps to smarter spending
No app download. No signup. Just ask.
Step 1
💳Enter your credit cards
Tell us which credit cards you hold — HSBC, Citi, Amex, BOC, Hang Seng, Standard Chartered, or any other bank. No registration required.
Step 2
📍Enter the merchant
Type the merchant, restaurant, or mall name. We cover 5,000+ merchants updated daily.
Step 3
⚡Get instant card recommendation
SVVAP AI analyses all your cards' latest offers and tells you which card to use in under 3 seconds.
See It Live
See SVVAP AI in Action
Real questions. Real answers. Real savings.
SVVAP AI
Online · Instant Reply
2:14 PM
→ 10× dining points ≈ 4% cashback
→ HK$200 meal earns approx. HK$8 back
🥈 Runner-up: BOC Chill Card
5% cash rebate on dining — check monthly cap
❌ Skip: HSBC Red Card — only 2% here, save it for general spending 💡
2:14 PM
SVVAP AI
Online · Instant Reply
4:52 PM
🥇 Hang Seng MPOWER Card
→ 4% cash rebate on supermarkets
🥈 HSBC Red Card
→ 2% cash rebate (no cap, reliable)
🥉 Citi Cash Back Card
→ 1.5% rebate on all spending
💡 Tip: Hang Seng and PARKnSHOP have a joint promotion this month — double rebate on weekends!
4:52 PM
Our Story
Why we built SVVAP AI
We believe every credit card holder deserves to live life to the fullest — not by spending more, but by spending smarter.
🎯 Our Mission
Intelligence in everyone's pocket
Give every credit card holder instant access to the smartest reward information — making every dollar count through an AI that's always ready.
👁️ Our Vision
Make "SVVAP it" the new reflex
Make checking SVVAP the natural reflex before every purchase — just like Googling before searching, or Waze before navigating.
The VV in SVVAP stands for "Viva" (活出精彩) — because spending smarter shouldn't be a privilege. It belongs to everyone who wants their spending to count.
Merchants covered
Updated dailyAverage response time
Based on real user dataBanks supported
All major HK banksAlways available
AI-powered, always onGet Started
Before you pay —
SVVAP it.
Free to use. No download. No signup. Just ask.