Steps to Select the Best Credit Cards for Your Spending Habits

Understanding the credit card rewards landscape can be overwhelming with so many selections available, each offering different rewards, incentives, and perks. We've optimized the process to assist you in beginning in less than 5 minutes, with perpetual monitoring so that you are always aware if there are more suitable options for you.



**Analysing Your Spending Habits**

The first step is to determine your monthly expenses across different categories such as:
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- E-commerce
- Wireless transactions
- Dining
- Overseas spending
- Miscellaneous expenses

This information helps us identify your spending patterns and determine the best set of credit cards based on your spend.

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**Personalized Credit Card Recommendations**

Next, our AI-driven platform compares your spending patterns with our collection of credit cards to evaluate the potential rewards you could earn from various credit cards, considering factors like incentive percentages, caps, and exclusions.

We ensure our database is current of credit card offers from all leading banks and providers in Singapore, including air miles and rebate options as well as Sign-up Bonuses.

We also provide options for further optimization such as only focusing on select bank offerings or no-fee options for the first year.

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**Dynamic Tracking and Advice**

Since credit card terms can change over time, our platform regularly refreshes its recommendations based on your expenses and notifies you of changes to your selection to enhance your benefit accrual. This adaptable process ensures you always have the best credit card portfolio to maximize your rewards and benefits.

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