Exploring the credit card benefits options can be confusing with so many selections available, each offering different offers, benefits, and advantages. We've optimized the process to make it easier to start 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
- Tap-and-go
- Restaurant spending
- International payments
- General Spend
This information helps us identify your spending patterns and determine the optimal collection 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 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 keep a current repository of credit card offers from all leading banks and providers in Singapore, including air miles and rebate options as well as Welcome Incentives.
We also suggest 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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**Continuous Monitoring and Recommendations**
Since offers and conditions can change over time, our platform keeps track of its recommendations based on your spending and notifies you of changes to optimize your setup to maximize your rewards collection. This proactive method ensures you always have the best credit card portfolio to achieve the highest returns.
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