Exploring the credit card benefits landscape can be daunting with so many selections available, each offering different rewards, incentives, and perks. We have streamlined the process to help you get started in less than 5 minutes, with ongoing monitoring so that you are always informed 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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- Digital payments
- Contactless
- Restaurant spending
- International payments
- Miscellaneous expenses
This information helps us identify your spending patterns and determine the optimal collection 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 calculate the potential rewards you could earn from various credit cards, considering factors like earning ratios, caps, and exclusions.
We keep a current repository of credit card offers from all key financial players in Singapore, including reward and discount cards as well as Sign-up Bonuses.
We also offer 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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**Continuous Monitoring and Recommendations**
Since credit card terms can change over time, our platform regularly refreshes its recommendations based on your expenses and notifies you of changes to optimize your setup to boost 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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