Navigating the credit card benefits options can be overwhelming with so many choices available, each offering different miles, cashback, and bonuses. We have streamlined the process to help you get started in less than 5 minutes, with ongoing monitoring so that you are always aware if there are more suitable options for you.
**Understanding Your Spending Habits**
The first step is to understand your monthly expenses across different categories such as:
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- E-commerce
- Tap-and-go
- Restaurant spending
- International payments
- Other expenditures
This information helps us identify your spending patterns and identify 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 calculate the potential rewards you could earn from various credit cards, considering factors like reward rates, caps, and exclusions.
We maintain an updated database of credit card offers from all major banks and financial institutions 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 no-fee options for the first year.
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**Dynamic Tracking and Advice**
Since credit card terms can change over time, our platform regularly refreshes its recommendations based on your usage patterns and informs you of changes to optimize your setup to maximize your rewards collection. This adaptable process ensures you always have the best credit card portfolio to gain the most advantages.
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