Understanding the credit card benefits landscape can be confusing with so many alternatives available, each offering different offers, benefits, and advantages. We have streamlined the process to help you get started in less than 5 minutes, with perpetual monitoring so that you are always kept updated if there are improved choices for you.
**Analysing Your Spending Habits**
The first step is to understand your monthly expenses across different categories such as:
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- Online
- Contactless
- Food and beverage expenses
- International payments
- Miscellaneous expenses
This information helps us gain insight into your spending patterns and determine the most suitable group of credit cards based on your spend.
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**Tailored Credit Card Recommendations**
Next, our artificial intelligence system 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 reward rates, caps, and exclusions.
We keep a current repository of credit card offers from all key financial players in Singapore, including air miles and rebate options as well as Welcome Incentives.
We also provide 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 card benefits can change over time, our platform keeps track of its recommendations based on your usage patterns and notifies you of changes to your selection to maximize your benefit accrual. This adaptable process ensures you always have the optimal selection to maximize your rewards and benefits.
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