Cal transforms credit card management into a frictionless experience, catering to Visa, Mastercard, and Diners users. This Android app combines expense tracking, Google Pay integration, and real-time credit monitoring in one sleek interface. Manage billing dates, secure lost cards, or apply for loans seamlessly—all while gaining instant insights into your financial health.
Features of Cal:
✨ Unified Dashboard: Oversee all cards, including debit and CalChoice options, with spending categorized by location and merchant.
✨ Transaction Deep Dive: Search 18 months of history, filter by currency or status (pending/cleared), and flag unfamiliar charges.
✨ Dynamic Credit Tools: Monitor credit utilization, request limit boosts, or freeze cards—temporarily or permanently—with one tap.
✨ Smart Payments: Enroll eligible cards into Google Pay for swift, secure checkouts globally (where supported).
✨ Loan Calculator: Estimate repayment terms (3–84 months) with adjustable sliders, factoring personalized APRs (8.25–17.9%).
Advantages of Cal:
Eliminates the need for desktop banking with full mobile control over cards and loans.
Expense graphs visualize trends across accounts, including cash withdrawals and foreign fees.
Direct debit cancellation and card replacement requests bypass customer service calls.
In-app support for Hebrew and English caters to both local and expat users.
Disadvantages of Cal:
– Loan eligibility is limited to Israeli residents; international users can’t apply.
– Google Pay enrollment excludes certain Diners cards outside major networks.
– Graph features lack export options for spreadsheet analysis.
Development Team
Cal is backed by ICC (International Credit Cards Ltd.), a Givatayim-based fintech pioneer since 2003. Their expertise in consumer credit infrastructure ensures GDPR-level encryption and compliance with Bank of Israel regulations.
Competitive Products of Cal:
PayBox (Israel): Dominates peer-to-peer payments but lacks Cal’s granular card controls.
Revolut (Global): Offers multi-currency accounts but no localized perks like CalChoice rewards.
Market Performance of Cal:
Rated 4.2/5 on Google Play (470k+ downloads), Cal earns praise for its “life-saving loan process” but faces critiques over occasional app crashes during peak billing cycles.
Version Information
Latest update (v6.25.10) introduced biometric login for Android 14 and expanded transaction search filters.
