Understanding the credit card benefits arena can be overwhelming with so many choices available, each offering different offers, benefits, and advantages. We have streamlined the process to assist you in beginning in less than 5 minutes, with ongoing monitoring so that you are always kept updated if there are better cards available for you.
**Evaluating Your Spending Habits**
The first step is to determine your monthly expenses across different categories such as:
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- Digital payments
- Contactless
- Food and beverage expenses
- Overseas spending
- Miscellaneous expenses
This information helps us gain insight into your spending patterns and identify the optimal collection of credit cards based on your spend.
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**Personalized Credit Card Recommendations**
Next, our automated tool 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 major banks and financial institutions 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 offers and conditions can change over time, our platform regularly refreshes its recommendations based on your spending and alerts you of changes to optimize your setup to enhance your benefit accrual. This proactive method ensures you always have the best credit card portfolio to maximize your rewards and benefits.
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