Understanding the credit card rewards landscape can be overwhelming with so many choices available, each offering different offers, benefits, and advantages. We've optimized the process to help you get started in less than 5 minutes, with perpetual monitoring so that you are always aware if there are improved choices for you.
**Understanding Your Spending Habits**
The first step is to determine your monthly expenses across different categories such as:
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- Online
- Wireless transactions
- Restaurant spending
- Foreign Currency Spend
- Other expenditures
This information helps us gain insight into your spending patterns and identify the optimal collection of credit cards based on your spend.
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**Personalized Credit Card Recommendations**
Next, our automated tool compares your spending patterns with our database 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 leading banks and providers in Singapore, including miles and cashback cards as well as Enrollment Offers.
We also suggest options for further optimization such as only focusing on select bank offerings or cards with no required first-year annual fee.
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**Dynamic Tracking and Advice**
Since credit card terms can change over time, our platform continuously updates its recommendations based on your expenses and notifies you of changes to your selection to enhance your benefit accrual. This adaptable process ensures you always have the ideal set of cards to maximize your rewards and benefits.
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