Steps to Select the Top Credit Cards for Your Spending Habits

Navigating the credit card perks landscape can be overwhelming with so many selections available, each offering different miles, cashback, and bonuses. Our system simplifies the process to make it easier to start in less than 5 minutes, with ongoing monitoring so that you are always aware 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:
How to Get Your Credit Card Annual Fee Waived: A Step-by-Step Guide

- E-commerce
- Wireless transactions
- Food and beverage expenses
- Foreign Currency Spend
- General Spend

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

===

**Personalized Credit Card Recommendations**

Next, our AI-driven platform compares your spending patterns with our database of credit cards to calculate the potential rewards you could earn from various credit cards, considering factors like earning ratios, caps, and exclusions.

We ensure our database is current of credit card offers from all key financial players in Singapore, including reward and discount cards as well as Welcome Incentives.

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

===
Fixed vs. Floating UOB Housing Loan Rates: Which is Right for You in 2024?

**Dynamic Tracking and Advice**

Since offers and conditions can change over time, our platform keeps track of its recommendations based on your spending and alerts you of changes needed in your card portfolio to enhance your benefit accrual. This dynamic approach ensures you always have the ideal set of cards to maximize your rewards and benefits.

===