Read-only by design
Sikka can never move money. We advise; your bank executes.
No bank login · No card connection · Read-only
One Card
to rule
them all.
Four cards in your wallet. The right one earns 5x at Carrefour, 2.5 miles at Emirates, 4% at ADNOC. The wrong one earns 1x. Sikka picks — before you tap.
Cashback
Miles
Lounges
Fee waivers
FAB
.... 0019
Cashback
Emirates NBD
.... 4412
Skywards
Mashreq
.... 2231
Solitaire
ADCB
.... 7780
TouchPoints
sikka
NOIR · UAE
···· ···· ···· 7780
Universal - UAE
Layla Al Hammadi
VISAinfinite
MI
Miles+50 to travel
AED
Cashback+AED 100 cashback
LO
Loungespooled access
How it works
Smart routing.
Tap your phone. Sikka picks the winning card — before the merchant blinks.
Live decisionrouting
Carrefour MOE
Groceries · AED 540
Routed to
ADCB · TouchPoints
+AED 100
· cashback
Deterministic rules first, language second. Merchant, category, reward rate, caps, and confidence are ranked before Sikka answers.
No fake confidence
Receipts on every tap.
See the math. The cards compared. The caps watched. The confidence score.
Receipt · cr-26-04-1129confirmed
Carrefour MOE · AED 540
Best card
ADCB TouchPoints
···· 7780 · 5x grocery · cap 1,500/mo
You earnAED 21.60
Next best · Mashreq Cashback · AED 8.10
Captured · +AED 13.50
confidence=0.94 - rules=4 - t=2.4ms
Honest leak calculator
How much
are your cards
costing you?
Annual leakage · estimate
AED 3,012
Wrong-card routing
40% of spend × 3% rate gap
AED 1,152
Idle-cash yield gap
cash above 1.5× monthly spend × 4.5%
AED 1,260
Unrecouped annual fees
premium cards beyond 2 × AED 600 avg
AED 600
Conservative estimate. Assumes 4.5% AED yield (Wio / liquidity funds), category-mix typical of UAE expats. Sikka fixes the routing line; the rest you can act on yourself.
Use Sikka →Founding · 500 seats
AED 49/mo. Locked for life.
Founding 500 only. When they're claimed, the price moves up — for everyone.
Use Sikka →Security
Built on a vault.
Sikka operates as advisory, never as a bank. We do not hold your money, we do not move it, and we do not see your card details. No bank login, full card number, CVV, or payment permission.
No card numbers stored
Last-four only. PANs and CVVs never touch our servers.
AES-256 + TLS 1.3
Encrypted at rest and in transit. Keys rotate every 90 days.
Biometric + device-bound
Face ID, passkeys, sessions tied to your device.
Audited and aligned
SOC 2 Type II + ISO 27001 in progress. PCI-DSS scoped out.
Compliance & governance
SOC 2 Type II (in progress)ISO 27001 (in progress)PCI-DSS scoped outCBUAE advisory framework
FAQ
Honest answers.
No. You keep your existing accounts and cards. Sikka sits above them and tells you which to tap.
No, and we do not want it. Card name plus last four is all Sikka asks for.
Merchant, category, reward rate, caps, fees, and confidence are ranked by estimated AED value before Sikka answers.
It says so. Every recommendation has a confidence score. No data, no confident answer.
Because a general LLM will confidently invent rates, miss caps, and hallucinate UAE bank rules that don't exist. Sikka runs a deterministic rules engine over a live UAE rewards catalog with verified source URLs and freshness dates — language only narrates what the rules already decided. Every answer carries a confidence score, an audit trail of the rules evaluated, and the comparison cards, so you can check the math. ChatGPT can't tell you the ADCB TouchPoints grocery cap, won't know last month's Mashreq fee waiver change, and never has skin in being wrong. Sikka does.
Phase 3, after the brain has earned trust. We do not promise a card before it exists.
Founding cohort
Before
you tap.
500 founding seats. AED 49/mo locked for life. Once they're claimed, the price moves up — for everyone.
Waitlist · confirmed
You are in, founder.