Compare three fictional cards using the same purchase. Inspect the arithmetic and assumptions, rather than treating the result as a real-card recommendation.
Choose an example category and amount. All three rows use the fixed assumptions shown below.
Showing £180.00 / Groceries
Highest net in this example
£5.40
Interactive calculation needs JavaScript. The figures below show the default fictional example.
| Fictional card | Example rewards | Example FX fee | Net example rewards |
|---|---|---|---|
| Everyday Card | £1.80 | £0.00 | £1.80 |
| Rewards PlusHighest example net | £5.40 | £0.00 | £5.40 |
| Travel Card | £0.90 | £0.00 | £0.90 |
Difference from the lowest example result
£4.50Rewards Plus minus Travel Card. One purchase; not an annual estimate.Net example rewards = example rewards − example FX fee
Fictional fixed rates, not real-card recommendations. Interest, annual fees, caps, exclusions and redemption values are not included.
Groceries, £180.00 example purchase. Rewards Plus has the highest net example result, £5.40. Difference from the lowest example result: £4.50.
| Fictional card | Base reward | Example bonus | Example FX fee |
|---|---|---|---|
| Everyday Card | 1% | 0% | 0% |
| Rewards Plus | 3% | 0% | 0% |
| Travel Card | 0.5% | 0% | 0% |
These are fictional rates. The online bonus is assumed to stack with the base rate. Travel amounts are already GBP equivalents; no currency conversion takes place.
Interest, annual fees, caps, exclusions and redemption values are not included. The net result is not the total cost or benefit of using a real card.
Calculations use the stated rates without intermediate rounding. Currency is rounded to two decimal places for display.
Load an example to inspect all three rows and the rates behind them.
01
For a £180.00 example purchase, Rewards Plus uses 3% and Everyday Card uses 1%.
The calculator's separate highest-to-lowest comparison is £5.40 − Travel Card £0.90 = £4.50.
02
For £1,200.00 of GBP-equivalent example spend, Everyday Card earns £12.00 and subtracts the assumed £33.00 FX fee, giving -£21.00. Travel Card gives £24.00 under its example terms.
03
For a £1,400.00 example online purchase, Everyday Card uses 1% base plus the assumed 5% bonus.
The category selects a prepared set of example rates.
Rewards use the base rate plus any stated example bonus. The travel example also subtracts its assumed FX fee.
The comparison shows the highest and lowest net example results for that purchase.
You can change a hypothetical purchase, inspect the rate table, load a worked example and prepare a general enquiry. Real cards, account access and payments are outside this preview.
LemmyPay is a worked example in the decision family. Omega Decision Mesh is the method/research layer; ODM is the proposed pilot experience. A decision record keeps context, sources, constraints and human authority visible; an observed outcome records what happened later without proving causation. Real-product comparison would need current terms, country eligibility, data-update ownership, disclosures and a separately reviewed scope. No financial-service launch or independent commercial funnel is being prepared here.
Local explanatory excerpt from the decision-family research. Omega describes a proposed review layer, not a connected service.
Record the source, freshness and permitted use of the information. Here, the amount and category are inputs; all card rates are fixed fictional assumptions. Net example value is only one criterion.
Actual eligibility, current terms, other costs and personal circumstances are not supplied. An unknown must remain a question, rather than a confident score.
Keep facts, assumptions and explanation together. A person retains authority; the calculator changes no account or payment. A later observed outcome would need a real decision and evidence.
Omega supplies the method/research; ODM is the proposed pilot experience; LemmyPay is the worked arithmetic example. This local excerpt is based on Omega’s proposed architecture.
Read Omega’s current research status ↗ — opens separately so your calculator and enquiry stay here.
Return to your calculatorNo. Everyday Card, Rewards Plus and Travel Card are fictional examples with fixed rates shown in the calculator.
The example category and purchase amount. The rates are fixed; you can inspect them in the assumptions table.
Example rewards minus the example FX fee for one purchase. It is not a calculation of every cost or a recommendation for a real card.
No. The amount is already expressed as a GBP equivalent. The model applies only the disclosed example reward and fee rates.
The worked example compares Rewards Plus (£5.40) with Everyday Card (£1.80). The calculator compares the highest result with the lowest, Travel Card (£0.90). The named baseline explains the difference.
No. The calculator runs locally using the example amount and category. It requests no bank login, card number or account details.
Yes. The contact section prepares an email draft to the interim enquiry address. You review and send it through your own email service; it creates no account or waitlist entry.
No launch date, supported real-card list or connected product is announced by this preview.
Interactive draft preparation needs JavaScript. You can send a general question to nilhill@gmail.com with the subject LemmyPay enquiry. Please do not include financial-account details.
Your entries are kept for this visit, not saved for later. Refreshing or closing the page may discard them.
