Understanding the credit card perks options can be daunting with so many selections available, each offering different miles, cashback, and bonuses. We've optimized 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 analyze your monthly expenses across different categories such as:
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- Digital payments
- Contactless
- Restaurant spending
- Foreign Currency Spend
- Other expenditures
This information helps us gain insight into your spending patterns and determine the optimal collection 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 database of credit cards to evaluate 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 key financial players in Singapore, including air miles and rebate options as well as Welcome Incentives.
We also provide 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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**Ongoing Updates and Suggestions**
Since offers and conditions can change over time, our platform continuously updates its recommendations based on your spending and alerts you of changes to your selection to maximize your miles earned. This adaptable process ensures you always have the optimal selection to gain the most advantages.
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