Steps to Select the Best Credit Cards for Your Needs

Navigating the credit card benefits landscape can be confusing with so many selections available, each offering different rewards, incentives, and perks. We've optimized the process to assist you in beginning 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 determine your monthly expenses across different categories such as:
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- Digital payments
- Tap-and-go
- Food and beverage expenses
- International payments
- Other expenditures

This information helps us gain insight into 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 artificial intelligence system 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 incentive percentages, caps, and exclusions.

We maintain an updated database of credit card offers from all major banks and financial institutions in Singapore, including air miles and rebate options as well as Enrollment Offers.

We also suggest options for further optimization such as only looking at cards from specific banks or fee-waived cards initially.

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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 expenses and informs you of changes needed in your card portfolio to enhance your miles earned. This adaptable process ensures you always have the ideal set of cards to achieve the highest returns.

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