Understanding the credit card perks arena can be confusing with so many choices available, each offering different miles, cashback, and bonuses. We have streamlined the process to help you get started in less than 5 minutes, with ongoing monitoring so that you are always informed if there are better cards available for you.
**Analysing Your Spending Habits**
The first step is to determine your monthly expenses across different categories such as:
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- Online
- Tap-and-go
- Food and beverage expenses
- Foreign Currency Spend
- Miscellaneous expenses
This information helps us identify your spending patterns and identify the best set of credit cards based on your spend.
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**Personalized Credit Card Recommendations**
Next, our artificial intelligence system compares your spending patterns with our collection of credit cards to estimate the potential rewards you could earn from various credit cards, considering factors like earning ratios, caps, and exclusions.
We maintain an updated database of credit card offers from all leading banks and providers in Singapore, including air miles and rebate options as well as Welcome Incentives.
We also suggest options for further optimization such as only filtering cards by banks or cards with no required first-year annual fee.
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**Ongoing Updates and Suggestions**
Since credit card terms can change over time, our platform keeps track of its recommendations based on your spending and alerts you of changes to your selection to boost your rewards collection. This dynamic approach ensures you always have the optimal selection to maximize your rewards and benefits.
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