Navigating the credit card perks arena can be daunting with so many choices available, each offering different rewards, incentives, and perks. We've optimized the process to help you get started in less than 5 minutes, with perpetual monitoring so that you are always kept updated 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:
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- E-commerce
- Contactless
- Food and beverage expenses
- Overseas spending
- General Spend
This information helps us identify your spending patterns and recommend the best set of credit cards based on your spend.
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**Tailored Credit Card Recommendations**
Next, our AI-driven platform compares your spending patterns with our repository of credit cards to evaluate the potential rewards you could earn from various credit cards, considering factors like earning ratios, caps, and exclusions.
We keep a current repository of credit card offers from all major banks and financial institutions in Singapore, including reward and discount cards as well as Enrollment Offers.
We also suggest options for further optimization such as only focusing on select bank offerings or cards with no required first-year annual fee.
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**Continuous Monitoring and Recommendations**
Since offers and conditions can change over time, our platform keeps track of its recommendations based on your usage patterns and alerts you of changes needed in your card portfolio to maximize your rewards collection. This proactive method ensures you always have the ideal set of cards to achieve the highest returns.
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