Who we are

At CardsPal, we help you optimise your spendings and maximise your savings.

We are an all-in-1 credit card comparison app in Singapore that shows you how to make the most of your cards to get the maximum benefits.

Personalise your money-saving experience based on the credit cards you own. We recommend you the best cards to use to earn the most cashback and rewards across multiple spending categories.


We help the people to maximise savings and optimize spending through intelligent use of financial instrument.


We are on a mission to be the preferred payment card/wallet advisor.

By doing so, we enable people to use the right payment card (to get the right deals) at the right place, right time at their fingertips

Meet the team


Saim Yeong Harng

Chief Executive Officer (CEO), Co-founder of CardsPal

A venture lead with a strong entrepreneurial spirit, Saim has a passion for driving change and growth. Inspired to build great products to fill market gaps, Saim envisions an app that helps users maximise savings and businesses excel. 


Richard Lu

Chief Product Officer (CPO), Co-founder of CardsPal

An innovator at heart, Richard envisages the app’s roadmap through rigorous user testing and interviews. His expertise includes leading commercialisation projects and product design. 


Lau Lai Ling

Chief Operating Officer (COO)

Formerly a retail banker, Lai Ling strongly believes in leveraging technology to improve quality of life. 


Kah Yong Sue

Tech Lead

Kah Yong leads the tech team in enhancing CardsPal’s featuresBy innovating methods to automate daily operational tasks, he prepares the organisation to scale up its technical operations for growth. 


Mahesh Babu Ganesan

Scrum Master & Integration Lead

Mahesh facilitates smooth onboarding of merchants and their deals on our app. Enjoying the new features and improved app capabilities? He is the one ensuring quality delivery of the app experience. 

our core values

Evolving with agility

We don’t just keep up with times. We evolve swiftly to stay ahead of the curve, bringing you novel tools that makes getting rewarded by your cards easy.  

Doing what’s right

Honesty and integrity are key to who we are, as we put ourselves in the shoes of our users and merchants.

Putting users first

Your user experience is at the centre of all that we do. We view things from your perspective to create an app that benefits you most. 

Driving innovation

As visionaries and thinkers, we’re innovators at heart, experimenting the next cool feature to present you even greater perks.