Tips for Choosing the Top Credit Cards for Your Needs

Navigating the credit card perks landscape can be daunting with so many choices available, each offering different miles, cashback, and bonuses. Our system simplifies the process to help you get started in less than 5 minutes, with perpetual monitoring so that you are always informed if there are improved choices for you.



**Analysing Your Spending Habits**

The first step is to understand your monthly expenses across different categories such as:
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- E-commerce
- Contactless
- Food and beverage expenses
- Overseas spending
- Other expenditures

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 database of credit cards to calculate 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 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 filtering cards by banks or fee-waived cards initially.

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**Dynamic Tracking and Advice**

Since card benefits 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 optimal selection to achieve the highest returns.

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