Understanding the credit card rewards arena can be confusing with so many selections available, each offering different rewards, incentives, and perks. Our system simplifies the process to assist you in beginning in less than 5 minutes, with perpetual monitoring so that you are always aware if there are more suitable options for you.
**Analysing Your Spending Habits**
The first step is to determine your monthly expenses across different categories such as:
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- E-commerce
- Contactless
- Restaurant spending
- 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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**Tailored Credit Card Recommendations**
Next, our automated tool compares your spending patterns with our repository 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 key financial players in Singapore, including reward and discount cards as well as Welcome Incentives.
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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**Ongoing Updates and Suggestions**
Since credit card terms can change over time, our platform regularly refreshes its recommendations based on your spending and alerts you of changes needed in your card portfolio to boost your miles earned. This adaptable process ensures you always have the optimal selection to achieve the highest returns.
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