Navigating the credit card benefits arena can be confusing with so many alternatives available, each offering different offers, benefits, and advantages. We have streamlined the process to make it easier to start in less than 5 minutes, with continuous monitoring so that you are always informed 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
- Tap-and-go
- Food and beverage expenses
- Foreign Currency Spend
- Other expenditures
This information helps us gain insight into your spending patterns and identify the best set 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 repository of credit cards to evaluate the potential rewards you could earn from various credit cards, considering factors like earning ratios, caps, and exclusions.
We ensure our database is current of credit card offers from all key financial players in Singapore, including reward and discount cards as well as Welcome Incentives.
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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**Ongoing Updates and Suggestions**
Since card benefits can change over time, our platform regularly refreshes its recommendations based on your expenses and notifies you of changes to your selection to maximize your miles earned. This adaptable process ensures you always have the ideal set of cards to gain the most advantages.
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