Exploring the credit card rewards landscape can be overwhelming with so many choices available, each offering different rewards, incentives, and perks. We have streamlined the process to help you get started in less than 5 minutes, with continuous monitoring so that you are always aware if there are improved choices 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
- Tap-and-go
- Restaurant spending
- Overseas spending
- Other expenditures
This information helps us gain insight into your spending patterns and identify the most suitable group of credit cards based on your spend.
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**Personalized Credit Card Recommendations**
Next, our artificial intelligence system compares your spending patterns with our database of credit cards to calculate 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 leading banks and providers in Singapore, including miles and cashback cards as well as Welcome Incentives.
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 regularly refreshes its recommendations based on your spending and informs you of changes needed in your card portfolio to boost your rewards collection. This dynamic approach ensures you always have the ideal set of cards to achieve the highest returns.
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