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 kept updated if there are better cards available for you.
**Understanding Your Spending Habits**
The first step is to understand your monthly expenses across different categories such as:
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- Online
- Tap-and-go
- Food and beverage expenses
- Foreign Currency Spend
- General Spend
This information helps us gain insight into your spending patterns and identify the most suitable group of credit cards based on your spend.
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**Custom Credit Card Recommendations**
Next, our AI-driven platform compares your spending patterns with our collection of credit cards to evaluate 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 major banks and financial institutions 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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**Continuous Monitoring and Recommendations**
Since card benefits can change over time, our platform regularly refreshes its recommendations based on your usage patterns and notifies you of changes to optimize your setup to maximize your rewards collection. This adaptable process ensures you always have the optimal selection to achieve the highest returns.
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