How to Choose the Best Credit Cards for Your Spending Habits

Navigating the credit card rewards arena can be overwhelming with so many selections available, each offering different miles, cashback, and bonuses. Our system simplifies the process to assist you in beginning in less than 5 minutes, with perpetual monitoring so that you are always informed if there are more suitable options for you.



**Evaluating Your Spending Habits**

The first step is to analyze your monthly expenses across different categories such as:
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- Digital payments
- Tap-and-go
- Dining
- Overseas spending
- Other expenditures

This information helps us better understand 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 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 major banks and financial institutions in Singapore, including miles and cashback cards 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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**Continuous Monitoring and Recommendations**

Since offers and conditions can change over time, our platform regularly refreshes its recommendations based on your usage patterns and alerts you of changes to optimize your setup to maximize your miles earned. This proactive method ensures you always have the optimal selection to achieve the highest returns.

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