Steps to Select the Most Suitable Credit Cards for Your Needs

Understanding the credit card rewards landscape can be overwhelming with so many choices available, each offering different rewards, incentives, and perks. We've optimized the process to help you get started in less than 5 minutes, with perpetual monitoring so that you are always kept updated if there are better cards available for you.



**Analysing Your Spending Habits**

The first step is to understand your monthly expenses across different categories such as:
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- Digital payments
- Wireless transactions
- Dining
- International payments
- General Spend

This information helps us gain insight into your spending patterns and identify the best set 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 estimate the potential rewards you could earn from various credit cards, considering factors like reward rates, caps, and exclusions.

We keep a current repository of credit card offers from all key financial players in Singapore, including reward and discount cards as well as Welcome Incentives.

We also provide 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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**Continuous Monitoring and Recommendations**

Since card benefits can change over time, our platform continuously updates its recommendations based on your expenses and notifies 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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