Steps to Select the Most Suitable Credit Cards for Your Spending Habits

Understanding 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 make it easier to start in less than 5 minutes, with ongoing monitoring so that you are always informed 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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- Online
- Wireless transactions
- Dining
- 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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**Tailored Credit Card Recommendations**

Next, our automated tool 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 incentive percentages, 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 Sign-up Bonuses.

We also provide options for further optimization such as only looking at cards from specific banks or no-fee options for the first year.

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**Dynamic Tracking and Advice**

Since credit card terms can change over time, our platform regularly refreshes 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 maximize your rewards and benefits.

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