Navigating the credit card rewards arena can be confusing with so many choices available, each offering different miles, cashback, and bonuses. We have streamlined the process to make it easier to start in less than 5 minutes, with continuous monitoring so that you are always aware if there are more suitable options for you.
**Analysing Your Spending Habits**
The first step is to analyze your monthly expenses across different categories such as:
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- E-commerce
- Tap-and-go
- Restaurant spending
- Foreign Currency Spend
- General Spend
This information helps us identify your spending patterns and determine the most suitable group of credit cards based on your spend.
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**Tailored Credit Card Recommendations**
Next, our AI-driven platform compares your spending patterns with our repository of credit cards to estimate 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 reward and discount cards as well as Enrollment Offers.
We also suggest 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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**Continuous Monitoring and Recommendations**
Since card benefits can change over time, our platform regularly refreshes its recommendations based on your usage patterns and notifies you of changes needed in your card portfolio to enhance your benefit accrual. This proactive method ensures you always have the ideal set of cards to gain the most advantages.
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