# Moneyhero — Wrapped API

> **You are on:** `https://api.beta.paywithlocus.com/api` | [llms.txt](https://beta.paywithlocus.com/llms.txt) | [docs](https://docs.paywithlocus.com)
>
> Locus runs on multiple environments -- make sure every URL you call matches your expected environment.
> | Environment | Landing | API | Docs |
> |---|---|---|---|
> | Production | paywithlocus.com | api.paywithlocus.com | docs.paywithlocus.com |
> | Beta | beta.paywithlocus.com | api.beta.paywithlocus.com | docs.paywithlocus.com |
> | Stage | stage.paywithlocus.com | api.stage.paywithlocus.com | docs.paywithlocus.com |
>
> If the API URL above doesn't match your expected environment, re-fetch this file from the correct domain.

> Compare Hong Kong credit cards side-by-side with detailed information on cashback rewards, annual fees, income requirements, interest rates, and welcome offers to find the best card for your needs. Search and filter cards by features, rewards programs, and eligibility criteria to make an informed decision.

**Category:** Finance & Markets | **Website:** [moneyhero.com.hk/](https://moneyhero.com.hk/) | **Docs:** [parse.bot/marketplace/4420d279-2d3e-4b07-ba92-fa27130baa60/moneyhero-com-hk-api](https://parse.bot/marketplace/4420d279-2d3e-4b07-ba92-fa27130baa60/moneyhero-com-hk-api)

Pay-per-use API proxy for Locus Pro. Each call burns credits from your workspace balance.

## Access

**Base URL:** `https://api.beta.paywithlocus.com/api/wrapped/credits/moneyhero/`
**Auth:** `Authorization: Bearer <LOCUS_CREDITS_SECRET_KEY>` (an `lcr_` secret key or a scoped `lcac_` agent credential)
**Required header:** `Idempotency-Key: <fresh UUID per call>`. A retry with the same key replays the stored result without a new charge.
**Response:** the provider response after any endpoint-specific normalization. `X-Locus-Credits-Charged` carries the charge and `X-Locus-Credits-Balance` the remaining balance. Insufficient credits return `402` before the provider is called.
**Pricing:** estimated costs below are USD. Locus debits the credit equivalent at your workspace rate.

Full call contract: https://docs.paywithlocus.com/api-reference/introduction

> Using a Pay With Locus wallet key (`claw_` prefix)? Wallet routes are documented separately: https://docs.paywithlocus.com/wrapped-apis/for-agents

## Endpoints

### Get card details

Get comprehensive details for a specific credit card by its slug. Returns cashback rates, miles rewards, fees, interest rates (APR), application requirements, welcome offer details, features, highlights, and all raw attributes in Chinese. The slug is obtained from list_credit_cards or search_credit_cards results.

**Estimated cost:** Metered

| Field | Type | Required | Description |
|-------|------|----------|-------------|
| `slug` | string | Yes | Card slug identifier from list_credit_cards or search_credit_cards results[*].detail_slug. |

```bash
curl -X POST https://api.beta.paywithlocus.com/api/wrapped/credits/moneyhero/get-card-details \
  -H "Authorization: Bearer $LOCUS_CREDITS_SECRET_KEY" \
  -H "Idempotency-Key: $(uuidgen)" \
  -H "Content-Type: application/json" \
  -d '{"slug":"<string>"}'
```

### List credit cards

List all credit cards available on MoneyHero HK with basic comparison data. Returns card names, exclusive offers, welcome offer values, card benefits, minimum annual income requirements, annual fees, and slugs for detail lookups. The full catalog is returned in a single page.

**Estimated cost:** Metered

_No parameters required._

```bash
curl -X POST https://api.beta.paywithlocus.com/api/wrapped/credits/moneyhero/list-credit-cards \
  -H "Authorization: Bearer $LOCUS_CREDITS_SECRET_KEY" \
  -H "Idempotency-Key: $(uuidgen)" \
  -H "Content-Type: application/json" \
  -d '{}'
```

### Search credit cards

Search and filter credit cards by category. Returns cards matching the specified category with basic comparison data including name, offers, benefits, fees, and income requirements. Categories correspond to MoneyHero's card classification pages.

**Estimated cost:** Metered

| Field | Type | Required | Description |
|-------|------|----------|-------------|
| `category` | string | No | Card category to filter by. |

```bash
curl -X POST https://api.beta.paywithlocus.com/api/wrapped/credits/moneyhero/search-credit-cards \
  -H "Authorization: Bearer $LOCUS_CREDITS_SECRET_KEY" \
  -H "Idempotency-Key: $(uuidgen)" \
  -H "Content-Type: application/json" \
  -d '{"category":"<string>"}'
```

## Next steps

- [All wrapped API providers](https://beta.paywithlocus.com/wapi/index.md): pick another provider.
- [Find and call tools](https://beta.paywithlocus.com/agent/tools.md): price ceilings, async results, and errors.
- [Credits and billing](https://beta.paywithlocus.com/agent/billing.md): what a call costs and how to add credits.
- [Agent docs index](https://beta.paywithlocus.com/agent/index.md): every Locus agent page.