Understanding the credit card benefits arena can be overwhelming with so many choices available, each offering different miles, cashback, and bonuses. Our system simplifies the process to assist you in beginning in less than 5 minutes, with ongoing 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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- E-commerce
- Contactless
- Restaurant spending
- Foreign Currency Spend
- Miscellaneous expenses
This information helps us identify your spending patterns and determine the optimal collection of credit cards based on your spend.
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**Custom 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 maintain an updated database of credit card offers from all leading banks and providers in Singapore, including reward and discount cards as well as Sign-up Bonuses.
We also suggest options for further optimization such as only looking at cards from specific banks or cards with no required first-year annual fee.
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**Continuous Monitoring and Recommendations**
Since credit card terms can change over time, our platform keeps track of its recommendations based on your expenses and informs you of changes needed in your card portfolio to boost your benefit accrual. This proactive method ensures you always have the ideal set of cards to achieve the highest returns.
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