Understanding the credit card rewards options can be confusing with so many selections available, each offering different rewards, incentives, and perks. We've optimized the process to help you get started in less than 5 minutes, with continuous monitoring so that you are always informed if there are better cards available for you.
**Evaluating Your Spending Habits**
The first step is to determine your monthly expenses across different categories such as:
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- Online
- Contactless
- Restaurant spending
- Foreign Currency Spend
- Miscellaneous expenses
This information helps us better understand your spending patterns and identify 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 reward rates, caps, and exclusions.
We ensure our database is current of credit card offers from all leading banks and providers in Singapore, including reward and discount cards as well as Enrollment Offers.
We also suggest options for further optimization such as only looking at cards from specific banks or fee-waived cards initially.
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**Continuous Monitoring and Recommendations**
Since credit card terms can change over time, our platform continuously updates its recommendations based on your usage patterns and notifies you of changes to your selection to maximize your miles earned. This adaptable process ensures you always have the ideal set of cards to gain the most advantages.
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