# Spend Smart

> Spend Smart is a free, browser-based credit card optimizer for Singapore consumers. It tells you which card in your wallet earns the most rewards (cashback or miles) for any given transaction, given each card's earn rules, bonus categories, minimum-spend tiers, and monthly caps.

The app runs entirely client-side in the browser. Cards, statements, and transactions are stored locally in the user's browser — nothing is uploaded to a server. Bank PDF statements can be parsed locally (with OCR fallback) to backfill spending history and validate that the user is in fact swiping the optimal card.

## What it does

- **Wallet:** Add cards from a built-in catalogue of Singapore credit and debit cards, drag to reorder, set the statement day for each card.
- **Best-card recommendation:** For a merchant, MCC, or category, surface the card in the user's wallet that earns the highest effective return after caps and minimum-spend gates.
- **Statement parsing:** Upload a PDF statement from a supported issuer; the parser extracts transactions and matches them to the right card so historical earn can be evaluated.
- **Reward tier modelling:** Cards with stepped tiers (UOB One, OCBC 365, etc.) show how earn changes at different spend bands.
- **Cashback vs miles unification:** Miles cards are converted to a comparable SGD value so cashback and miles cards can be ranked side-by-side.

## Supported issuers

Citibank, DBS, POSB, UOB, OCBC, HSBC, Standard Chartered, Trust Bank.

## Reference documents

The card-rule data is derived from each issuer's published Terms & Conditions and Cardmember Agreements. PDFs of the source documents are bundled in the repository under `/docs` for traceability.

## Files

- [llms-full.txt](/llms-full.txt): Extended description with the full supported-card list and a glossary of in-app concepts.
- [robots.txt](/robots.txt): Crawler directives — AI crawlers are explicitly allowed.

## Disclaimer

Spend Smart is an independent tool. It is not affiliated with, endorsed by, or sponsored by any bank or card issuer. Earn rules change frequently; always confirm against the issuer's current Terms & Conditions before relying on a recommendation.