How Milely works.
Add your cards once. Log spends as they happen. Milely applies each card's rules and tells you what is left, before you pay.
Four steps
- 1
Add your cards.
Pick each card you hold from the card library and set its statement day. For cards where you choose your bonus categories, such as the UOB Lady's Card, record the ones you picked.
- 2
Log your spending.
Apple Pay purchases arrive through Auto Log. Scan receipts for everything else, type a spend in, or import up to 2,000 past spends from a CSV file.
- 3
Milely applies the card's rules.
Each spend is rounded into the card's earn blocks, then checked against its bonus category, payment method, exclusions and minimum spend. Spend inside the remaining bonus cap earns the bonus rate. The rest earns the base rate.
- 4
Watch caps, get a heads-up.
Each card's cap and minimum spend fill up through its own cycle, whether that is the calendar month or your statement cycle. Milly gives you a heads-up at 80%, and again when a cap is reached.
Setting up Auto Log.
Auto Log is a Shortcuts automation on your iPhone. Milely walks you through it, and it takes a few minutes. Once it is on, each Apple Pay purchase is sent to Milely with its merchant and amount, and linked to the card you paid with.
- It only sees the cards you choose
- If Milely cannot match the card, it asks you once
- Physical card taps, and online purchases made without Apple Pay, still need a receipt scan or a quick manual entry
Auto Log needs an iPhone and the Shortcuts app.
Rules change, and banks decide.
Earn rates, caps and exclusions get revised. Every card in Milely shows the date its rules were last checked and the issuer page they came from, so you can see the reasoning behind each estimate.
Your bank makes the final call on what a purchase earned. Milely shows you what to expect, and where it is unsure, such as when a merchant's category code is not known.
Across the household.
Share a wallet with family and everyone sees how each shared card's cap is filling up. Spends marked private stay private, even inside a shared wallet. How sharing is protected.
Get on the beta list.
Milely is coming to iPhone first. Leave your email to save your place on the beta list.
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