Navigating the credit card perks arena can be confusing with so many selections 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 more suitable options for you.
**Evaluating Your Spending Habits**
The first step is to analyze 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 recommend the most suitable group of credit cards based on your spend.
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**Custom 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 earning ratios, caps, and exclusions.
We maintain an updated database of credit card offers from all major banks and financial institutions in Singapore, including miles and cashback cards as well as Sign-up Bonuses.
We also provide options for further optimization such as only looking at cards from specific banks or cards with no required first-year annual fee.
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**Ongoing Updates and Suggestions**
Since card benefits can change over time, our platform keeps track of its recommendations based on your spending and informs you of changes needed in your card portfolio to maximize your rewards collection. This proactive method ensures you always have the optimal selection to achieve the highest returns.
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