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Perqa
Your best card to use — right now, wherever you are
Your wallet's smartest member — never miss a due date, always use the best card. Perqa tells you which credit card in your wallet to use for any purchase in Singapore — search a shop or tap the app where you are, and see the card that earns the most, with the live rate. Drop in a statement and it shows what you left on the table. No bank logins. Free on iOS, Android & web.
Hi Product Hunt 👋
I'm the founder of Finly Labs, and Perqa started from a dumb, recurring problem: I had a drawer of credit cards and never knew which one to actually pull out. The "best" card for groceries isn't the best for Lazada, or for a flight, or overseas — and the rules change constantly.
Perqa fixes the in-the-moment decision. Search a merchant (or just open it where you are and it knows you're at the petrol station) and it shows the card **in your wallet** that earns the most, with the real, current rate. You can also:
• Drop in a card statement (PDF) — the AI reads it and shows what you earned vs missed
• Track sign-up bonus progress and mile-expiry deadlines across pools
• Check perks (lounge, hotel nights, travel insurance) and overseas/FX fees
Two things I care about: **no bank logins** (it never asks for your banking credentials), and **independence** — recommendations are based purely on your spend and the cards' published rates, never on what a bank might pay us. Every rate is verified against the source before it ships.
It's free and live on the App Store, Google Play and at perqa.app (built for Singapore cards today). It's early and solo-built — I'd love your honest feedback, especially if you spot a rate that looks wrong.
About Perqa on Product Hunt
“Your best card to use — right now, wherever you are”
Perqa was submitted on Product Hunt and earned 0 upvotes and 1 comments, placing #80 on the daily leaderboard. Your wallet's smartest member — never miss a due date, always use the best card. Perqa tells you which credit card in your wallet to use for any purchase in Singapore — search a shop or tap the app where you are, and see the card that earns the most, with the live rate. Drop in a statement and it shows what you left on the table. No bank logins. Free on iOS, Android & web.
On the analytics side, Perqa competes within Android, Fintech, Personal Finance and Credit card — topics that collectively have 108.3k followers on Product Hunt. The dashboard above tracks how Perqa performed against the three products that launched closest to it on the same day.
Who hunted Perqa?
Perqa was hunted by Nikhil Garg. A “hunter” on Product Hunt is the community member who submits a product to the platform — uploading the images, the link, and tagging the makers behind it. Hunters typically write the first comment explaining why a product is worth attention, and their followers are notified the moment they post. Around 79% of featured launches on Product Hunt are self-hunted by their makers, but a well-known hunter still acts as a signal of quality to the rest of the community. See the full all-time top hunters leaderboard to discover who is shaping the Product Hunt ecosystem.
For a complete overview of Perqa including community comment highlights and product details, visit the product overview.
Nikhil Garg