About MoneySpark
MoneySpark is a simple, useful finance AI agent for Hong Kong — it starts by picking the right card for you.
Why we built it
Because the density of financial information in Hong Kong is far beyond what most people can navigate. The information has always been there; nobody was translating it.
Too many cards, too many rules
Hong Kong has hundreds of credit cards, and the reward rules — cashback, miles, category bonuses, caps, registration requirements — are complicated and inconsistent. Comparison sites rely on hand-built filters, which still leaves you translating your own needs into filter criteria.
Terms you cannot read
Insurance proposals, fund KFS documents, bank statements — ordinary people pick them up without understanding a word.
Concepts nobody teaches
APR versus flat rate, MPF offsetting, the MPF offsetting abolition — where do you even start?
You do not know what to ask
Before you walk into a licensed representative’s office, you often cannot name the questions you should be asking.
So we inverted it: you speak plainly, the AI does the translating.
How it works
Picking a card, learning a concept and reading your own material are three conversation modes of the same agent — not three products.
You speak plainly, the AI translates
“I order food delivery all the time and travel to Japan every year” maps directly onto a structured query over category reward rates, foreign-currency fees and annual-fee waiver conditions.
Nothing is said that was not looked up
All card data only counts when it comes from a live lookup of the real card library; when we cannot answer, we say so plainly instead of guessing from the model's memory.
One set of safety rules across all of it
The three modes share one agent core and one set of safety rules. Anything involving money or a signature is yours to decide after reading the official document.
How we make money
This section is here so you do not have to ask.
MoneySpark is completely free for users. We never charge you a fee.
Revenue comes from affiliate commissions on card applications: some application links are affiliate links, and if you apply successfully through them, we may receive a commission from the affiliate network.
Your application terms and costs do not change because of this, and the commission does not influence ranking or content — results are ranked by reward structure and the spending criteria you give us, not by commission. Beyond this affiliate arrangement, we accept no paid promotion or sponsored placement from any card issuer.
The full wording is in the Terms of Service.
What we stand for
Official sources first
Official PDFs and licensed-institution pages are the source of truth; what the AI produces is a draft. Anything involving money or a signature needs a human to sign off.
What we won’t do is written into the product
No order placement, no timing calls, no compliance decisions made on your behalf.
No confabulation
When the data layer cannot answer, it says it cannot answer right now rather than inventing one. When reading your material, fields it cannot find are stated plainly rather than filled in from memory.
Transparent data handling
Your profile, memories, conversations and the material you provide can all be reviewed and deleted; guest data is cleared automatically 7 days after creation, with no renewal.
Disclaimer
MoneySpark is an information tool. It does not constitute financial, investment, tax or credit advice, and it does not imply that any card issuer accepts applications or makes approval decisions. Card data is read from our local card database; issuer terms may change at any time, and the actual terms always govern — see the issuer’s official site and contract.
Try it once and see whether the answer was actually looked up.
No sign-up needed; card data always comes from a live lookup, never from memory.