I built a Singapore Wallet that actually knows the best credit card to use at places you visit

Hi Seedly,

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I just launched Pilih Wallet — tap once, it picks your best rewards card.

Singapore is harder than “3x dining vs 4x groceries”:

• Min spend tiers (miss S$800 → fall to 0.2–0.3%)
• Monthly caps (Citi/OCBC S$80, DBS transport only S$20)
• Merchant coding traps (Citi 8% is Grab/taxi MCC 4121, not SimplyGo)
• Amex True Cashback earns 0% on SimplyGo

So I shipped Pilih — a SG smart wallet wedge:

1. Tap simulator with real local merchants (Grab, SimplyGo, Shell, FairPrice, Shopee, hawker, Uniqlo, McD)
2. Router that scores UOB One / OCBC 365 / Citi Cash Back / DBS Live Fresh / Amex True Cashback / UOB Absolute using public T&Cs (as of Jul 2026)
3. iOS beta path that does not need Apple NFC: suggested card → you set Wallet default → tap

Honest limitations

• Rates are a public T&C snapshot for product UX, not a guarantee. Always check your bank.
• Full auto-switch of Apple Pay default card needs Apple partnership. Beta is suggested card before tap.

Looking for

1. Waitlist folks who carry 3+ cashback cards
2. Feedback on edge cases (hawker MCC coding, GrabFood vs GrabRide, Shell vs Caltex stacks)
3. Seedly-ers willing to dogfood the iOS suggested-card TestFlight

Happy to be roasted on the rate table — that is the point.

— Neil

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#credit cards, #cashback, #UOB One, #OCBC 365, #Citi Cash Back, #DBS Live Fresh, #Apple Pay, #Singapore

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CTA comment to pin: Drop which cards you carry + your biggest “wrong card” regret. I will reply with what Pilih would route today.

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What the router does differently (real examples)

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