Navigating the credit card benefits arena can be overwhelming with so many selections available, each offering different miles, cashback, and bonuses. Our system simplifies 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.
**Evaluating Your Spending Habits**
The first step is to analyze your monthly expenses across different categories such as:
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- E-commerce
- Wireless transactions
- Dining
- Overseas spending
- Other expenditures
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 AI-driven platform compares your spending patterns with our database of credit cards to evaluate the potential rewards you could earn from various credit cards, considering factors like incentive percentages, 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 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 regularly refreshes its recommendations based on your expenses and alerts you of changes needed in your card portfolio to maximize your rewards collection. This adaptable process ensures you always have the best credit card portfolio to maximize your rewards and benefits.
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