armpay.

A clearer view at checkout

Best payment
method to suit
consumers.

Your cards. Your shop. See the reward and its HKD value, with the conditions beside it.

✓ By name only. No card numbers. Ever.

Rewards keep their own units. The order follows their HKD value.

At the till, in your pocket.iOS preview
armpay.APP PREVIEW

04 / Your comparison

Wellcome

SpendingHK$300

Payment methodsHKD value ↓
  1. 01

    Mox Credit

    3% cashback

    3% of HK$300 = HK$9.00

    HK$9.00
  2. 02

    Hang Seng enJoy Card

    900 yuu points

    200 yuu points = HK$1 in reward value

    HK$4.50
  3. 03

    Citi Cash Back Card

    1% cashback

    1% of HK$300 = HK$3.00

    HK$3.00
  4. 04

    HSBC Red Credit Card

    1.20 RewardCash

    1 RewardCash = HK$1 at participating merchants

    HK$1.20
  5. 05

    HSBC Visa Signature Card

    1.20 RewardCash

    1 RewardCash = HK$1 at participating merchants

    HK$1.20

Estimates · checked 11 Oct 2026

Information only

App coming soon

The shop
Spending

Loading the other examples…

Fixed snapshot as at 11 Oct 2026. Estimated amounts, subject to eligibility, rounding and issuer terms. This example covers five methods, not every available offer.

Conversions checked 12 Oct 2026.

Information for your own comparison, not financial advice. The issuer's terms apply. Links may be referral links and the issuer may pay a fee. Fees and sponsorship never change the ranking.

Sources and conditions
  • Mox Credit: CashBack option; no Mox+ bonus assumed. Issuer page · 2026-10-11
  • Hang Seng enJoy Card: Link your card to yuu; redemption terms apply. Issuer page · 2026-10-11
  • Citi Cash Back Card: Eligible local retail spending. Issuer page · 2026-10-11
  • HSBC Red Credit Card: Base retail rate; eligible spending only. Issuer page · 2026-10-11
  • HSBC Visa Signature Card: Base retail rate; eligible spending only. Issuer page · 2026-10-11

From your wallet to the till

A little clearer,
before you pay.

01

Add the names

The cards and wallets you already have. No card numbers.

02

Choose the shop

Look at the amounts for the purchase in front of you.

03

Check the conditions

See the reward, its HKD value and what applies. You decide how to pay.

Different rewards, a common view

Points. Miles. Dollars.

Keep the original reward visible. Put its HKD value beside it. A mile uses your own valuation, not a promised cash amount.

Asia Miles

Your own value

Sample: 1 mile = HK$0.10. Not an issuer cash rate.

Issuer page ↗

HSBC RewardCash

1 = HK$1

At participating merchants, subject to redemption terms.

Issuer page ↗

yuu points

200 = HK$1

Reward value, subject to redemption options and minimums.

Issuer page ↗

Cashback

Percentage + HKD

The percentage and estimated dollar amount stay together.

Merchant discount

HKD off the price

Shown separately from rewards earned after payment.

The conditions matter.

Registration, spending thresholds and reward limits can change what you receive. Keep them beside the amount, not out of sight.

Planned for the app

Ask about paying.

Ask in plain words. Answers with a source and a date.

  • Any new rewards at Wellcome this month?
  • What fees apply when I pay in Japan?
  • Has this card’s online reward changed?

App coming soon

First to know
when it is ready.

One email address for the App Store launch. No payment details.

Voluntary. You can leave the list at any time. We keep your email for up to 12 months.

A few things to know.

What do these comparisons mean?

They show amounts and conditions for your own comparison. They are not financial advice. The issuer’s terms apply.

Do you see my card numbers?

No. The planned app uses card and wallet names. This website does not collect card numbers or bank sign-ins.

How will Armpay make money?

Links may earn referral fees. Sponsored placements will be labelled. Neither fees nor sponsorship changes the ranking.

Which banks and shops are covered?

This preview has fixed examples for five shops. It is a limited snapshot, not a complete list of cards, offers or merchants.

When is the app coming?

The app is in development. A TestFlight preview is planned for November 2026. The App Store release date is not confirmed.

Where is the launch list kept?

Cloudflare provides our hosting and storage. Processing may take place outside Hong Kong. See Privacy for the details and your access, correction and deletion rights.