# Spend Smart — Full reference

> Spend Smart is a free, browser-based credit card optimizer for Singapore consumers. It models each card's earn rules — bonus categories, minimum-spend tiers, monthly caps, exclusions — and tells the user which card in their wallet earns the most for any given transaction. Cashback and miles are normalised to a comparable SGD value so dissimilar cards can be ranked head-to-head.

Everything runs in the browser. Card definitions, uploaded statements, and parsed transactions are stored locally; no account is required and no data leaves the device.

## Core concepts

- **Card:** A credit or debit product the user has added to their wallet, instantiated from a template in the catalogue.
- **Earn rule:** The mechanism by which a card returns value — a flat cashback %, a category multiplier, a miles-per-dollar rate, or a tiered bonus.
- **Reward tier:** Some cards (UOB One, OCBC 365, HSBC Live+, etc.) pay different rates at different cumulative monthly spend bands. The app exposes each tier so users can see what they would earn if they cross the next threshold.
- **Bonus category:** A merchant class (groceries, dining, online, transport, contactless, foreign currency, etc.) that earns at an elevated rate, typically subject to a monthly cap.
- **Minimum spend:** A monthly spend floor the user must clear before bonus rates apply.
- **Earn cap:** A ceiling on how much bonus reward a card will pay in a statement period; spend above the cap reverts to the base rate.
- **Statement day:** The day of the month a card's billing cycle closes — used to attribute transactions to the correct cycle for cap and minimum-spend tracking.
- **Effective return:** The blended rate a card actually pays on a given transaction, after applying tier, category, cap, and minimum-spend gates.
- **Miles → SGD valuation:** Miles cards are converted at a configurable cents-per-mile rate so they are directly comparable to cashback cards.

## Features

- **Wallet view:** Add, remove, and reorder cards. Each card displays its current cycle's spend, the tier it has reached, and remaining headroom before caps bind.
- **Best-card recommender:** For a hypothetical or actual transaction, list the user's cards ranked by effective return.
- **Statement upload:** Drop in a PDF statement from a supported issuer. The parser extracts transactions, applies issuer-specific layout rules, and falls back to OCR (Tesseract) when text extraction fails. Parsed transactions are matched against card earn rules to compute realised earn.
- **Transactions view:** Browse all parsed transactions, filter by card or category, and see what was earned vs. what could have been earned with a better card choice.
- **Local-first storage:** No backend. Data persists in browser storage; users can clear it at any time by removing the site's site data.

## Supported cards

### Citibank
- Citi Rewards Card
- Citi Cash Back Card
- Citi Cash Back+ Card
- Citi SMRT Card
- Citi PremierMiles Card
- Citi Prestige Card

### DBS / POSB
- DBS yuu Visa Card
- DBS Live Fresh Card
- DBS Altitude Visa Signature Card
- DBS Woman's World Card
- DBS Vantage Card
- POSB Everyday Card
- PAssion POSB Debit Card

### UOB
- UOB One Credit Card
- UOB Absolute Cashback Card
- UOB EVOL Card
- UOB PRVI Miles Card
- UOB Lady's Card
- UOB Preferred Visa Card
- UOB Visa Signature Card
- Lazada-UOB Card

### OCBC
- OCBC 365 Credit Card
- OCBC INFINITY Cashback Card
- OCBC Rewards Card
- OCBC 90°N Card

### HSBC
- HSBC Advance Credit Card
- HSBC Live+ Credit Card
- HSBC Revolution Credit Card
- HSBC TravelOne Credit Card
- HSBC Visa Infinite Credit Card

### Standard Chartered
- SC Smart Credit Card
- SC Simply Cash Credit Card
- SC Journey Credit Card

### Trust Bank
- Trust Cashback Credit Card

## Source documents

Card rules are derived from each issuer's published Terms & Conditions and Cardmember Agreements. The source PDFs are bundled in the project repository under `/docs` so any rule can be traced back to its primary source.

## Limitations and disclaimers

- Spend Smart is an independent tool, not affiliated with any bank or card issuer.
- Earn rules, caps, and bonus categories change frequently. The user should confirm against the issuer's current published Terms & Conditions before relying on a recommendation.
- The miles-to-SGD valuation is a heuristic; actual redemption value depends on how the user redeems.
- Statement parsing is best-effort. Unusual layouts, scanned-only PDFs, or recently changed issuer formats may produce incomplete results.