Understanding the credit card perks arena can be confusing with so many choices available, each offering different miles, cashback, and bonuses. We've optimized the process to make it easier to start in less than 5 minutes, with continuous monitoring so that you are always kept updated if there are improved choices for you.
**Analysing Your Spending Habits**
The first step is to analyze your monthly expenses across different categories such as:
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- Online
- Wireless transactions
- Food and beverage expenses
- International payments
- Other expenditures
This information helps us identify your spending patterns and recommend the optimal collection of credit cards based on your spend.
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**Personalized 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 incentive percentages, caps, and exclusions.
We keep a current repository of credit card offers from all major banks and financial institutions in Singapore, including miles and cashback cards as well as Welcome Incentives.
We also offer 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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**Dynamic Tracking and Advice**
Since card benefits can change over time, our platform keeps track of its recommendations based on your usage patterns and alerts you of changes to optimize your setup to boost your benefit accrual. This adaptable process ensures you always have the ideal set of cards to achieve the highest returns.
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