Swapie is a Singapore-based online platform that provides a fuss-free way for credit card holders to maximize issuer rewards. We use excess credit to enable businesses to do better.

We are just weeks old but are passionate and excited about our potential growth. If you're keen to join us in any way, speak to us today!

Frequently Asked Questions

+ How does Swapie work?

+ What kind of businesses does Swapie serve?

Think of Swapie as an Airbnb or Grab for credit. There is so much credit limit given to credit card holders that go unused, and hence, their potential for rewards unrealized. Swapie gets credit card holders (CCHs) to commit their credit limit, and spends it for businesses needing credit to grow.

Nope, you don’t have to! For a $100 item, you only need to pay $95 to Swapie, of which we will then disburse $90 to the credit card holders (CCHs).

+ Are there participating merchants on Swapie? Must I only purchase from these stores?

+ So… I can buy everything? Clothes, household items and even plane tickets?

No there aren’t! Swapie is a consumer-to-consumer marketplace where we link you up with CCHs and there are no merchants involved in this process. The reason why you’d love to use Swapie is to tap on sharing rewards with a CCH.

Technically… yes! Though we’d highly suggest you not to buy items that require a large amount of sensitive personal information and/or are urgent, time-sensitive, or high price-volatility. At the end of the day, we’ll leave it up to you and the CCH to iron out the details through a monitored chat.

+ What will be the lead time be? How long must I wait before my items arrive?

The entire purchase process might be delayed by anywhere from 4 hours to 96 hours, depending on the speed of correspondence between you and the CCH. We suggest you not to request for items that you need urgently, groceries, big-ticket items or other forms of perishables.

+ Is there a limit on the value or quantity of items I want to buy?

At the moment, there aren’t any lower or upper limits on the recommend retail price (RRP) of the items you can submit a request for. Nonetheless, please bear in mind that the CCHs are likely not optimizing for spending shortfalls within the range of $10 or so and requesting for items that are too low or high ticket might lower your match rate.

At present, we’re seeing monthly spending gaps of $80 to $300 and CCHs are willing to take on 2 to 3 transactions on Swapie each spending cycle.

+ How do I make payment?

+ What other catches are there?

Currently, only bank transfer is available. You will receive the instructions upon request.

Besides the fact that this is a service that is not yet limited by commercial liability, and that we are still in our very early days as a startup, nothing else!

You could reach us via email at [email protected] or phone at +65 9740 3567. Don't be shy, just say hi! If you'd like, feel free to use this contact form and we will be in touch:


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+ How can I contact Swapie?