One Card to rule them all.
The best card, behind every tap.
You already own the right card for every purchase. Sikka makes sure you tap it — before you pay.
60 seconds · no sign-in · nothing leaves your device.
You already own the card that pays more. You just tapped the wrong one.
Every card has a different rulebook. You pick one from memory, one second before the tap.
One demo wallet, one month — what the right cards would earn. Computed by the real Sikka engine. Tap on autopilot and most of it never lands.
See your own numberGroceries. Dinner. A tank of fuel. A flight home for Eid. Each one has a card in your wallet that wins — and three that don't. On autopilot, you tap whichever is on top. The reward drips away, quietly, every single day.
Every merchant. Every rule.
Every cap. Already mapped.
Sikka doesn't replace your cards or issue a new one. It reads the merchant, the category, the caps and the live rates — then points to the card already in your wallet that wins. No new card. No moving your money. Just the right tap, every time.
Sikka reads the merchant and routes
your tap to the card that pays most.
Every category has one card that pays most. You forget which. Sikka remembers, in the half-second before you pay.
Deterministic rules first, language second. Merchant, category, reward rate, caps and confidence are ranked before Sikka answers — and every answer shows its confidence, the rules it used, and the cards it compared, so you can check the math.
Sikka picks. You tap your own card. It never routes, moves, or logs a payment — your bank does that, exactly as it always has.
Illustration with a sample wallet — which card wins depends on the cards you hold. Advice only.
Top published card-issuer rewards rates vs. a typical everyday tap. Sources: card-issuer rewards terms; U.S. CFPB Credit Card Rewards, 2024.
One wallet. Infinite intelligence.
You can't get last month's rewards back. You can stop leaking next month's. Pick a door — each one is honest about exactly what it does.
What your cards
will cost you
this year.
Your estimate, from your inputs and conservative UAE-expat assumptions (4.5% AED liquidity/money-market yield). Sikka fixes the routing line; the rest you can act on yourself.
See your leakWe never move your money.
We tell it where to go.
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.
Read-only by design
Sikka can never move money. We advise; your bank executes.
No card numbers stored
Last-four only. PANs and CVVs never touch our servers.
Encrypted on this device
The reveal app seals its cached report locally with a non-extractable 256-bit AES-GCM key in your browser.
Wiped on disconnect
In the reveal app, Disconnect deletes the local key and cached report, then revokes Google access.
Audited and aligned
SOC 2 Type II + ISO 27001 in progress. PCI-DSS scoped out.
The numbers behind the leak.
The UAE runs on cards. Most of the rewards sitting on them never get claimed. A few numbers, each with its source:
Honest answers.
Is Sikka a bank?
How does Sikka pick a card?
What if Sikka is unsure?
Why not just ask ChatGPT or Claude?
What about the physical card?
Before you pay…
Know.
500 founding seats. AED 49/mo locked for life. Once they're claimed, the price moves up — for everyone.