Navigating the credit card benefits landscape can be overwhelming with so many alternatives available, each offering different offers, benefits, and advantages. We've optimized the process to make it easier to start in less than 5 minutes, with continuous monitoring so that you are always informed if there are better cards available for you.
**Understanding Your Spending Habits**
The first step is to analyze your monthly expenses across different categories such as:
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- Digital payments
- Wireless transactions
- Restaurant spending
- International payments
- Miscellaneous expenses
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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**Personalized Credit Card Recommendations**
Next, our artificial intelligence system compares your spending patterns with our repository of credit cards to evaluate the potential rewards you could earn from various credit cards, considering factors like earning ratios, caps, and exclusions.
We maintain an updated database of credit card offers from all leading banks and providers in Singapore, including miles and cashback cards as well as Enrollment Offers.
We also suggest options for further optimization such as only looking at cards from specific banks or no-fee options for the first year.
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**Dynamic Tracking and Advice**
Since card benefits can change over time, our platform keeps track of its recommendations based on your usage patterns and alerts you of changes to optimize your setup to boost your benefit accrual. This dynamic approach ensures you always have the best credit card portfolio to maximize your rewards and benefits.
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