Understanding the credit card perks options can be daunting with so many alternatives available, each offering different rewards, incentives, and perks. We've optimized the process to make it easier to start in less than 5 minutes, with ongoing monitoring so that you are always aware if there are improved choices for you.
**Understanding Your Spending Habits**
The first step is to determine your monthly expenses across different categories such as:
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- Digital payments
- Tap-and-go
- Restaurant spending
- Overseas spending
- General Spend
This information helps us better understand your spending patterns and determine the best set of credit cards based on your spend.
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**Custom 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 reward rates, caps, and exclusions.
We ensure our database is current of credit card offers from all leading banks and providers in Singapore, including miles and cashback cards as well as Welcome Incentives.
We also offer options for further optimization such as only looking at cards from specific banks or fee-waived cards initially.
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**Continuous Monitoring and Recommendations**
Since card benefits can change over time, our platform keeps track of its recommendations based on your expenses and informs 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 achieve the highest returns.
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