Understanding the credit card rewards options can be overwhelming with so many selections available, each offering different miles, cashback, and bonuses. We've optimized the process to help you get started in less than 5 minutes, with continuous monitoring so that you are always aware if there are better cards available for you.
**Analysing Your Spending Habits**
The first step is to understand your monthly expenses across different categories such as:
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- Online
- Contactless
- Food and beverage expenses
- Foreign Currency Spend
- Miscellaneous expenses
This information helps us identify your spending patterns and determine the best set of credit cards based on your spend.
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**Tailored Credit Card Recommendations**
Next, our automated tool compares your spending patterns with our repository of credit cards to estimate the potential rewards you could earn from various credit cards, considering factors like reward rates, caps, and exclusions.
We ensure our database is current of credit card offers from all major banks and financial institutions in Singapore, including reward and discount cards as well as Welcome Incentives.
We also provide options for further optimization such as only looking at cards from specific banks or fee-waived cards initially.
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**Dynamic Tracking and Advice**
Since credit card terms can change over time, our platform keeps track of its recommendations based on your spending and informs you of changes to your selection to maximize your benefit accrual. This proactive method ensures you always have the best credit card portfolio to gain the most advantages.
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