Navigating the credit card perks landscape can be confusing with so many alternatives available, each offering different rewards, incentives, and perks. We've optimized the process to assist you in beginning in less than 5 minutes, with ongoing monitoring so that you are always aware if there are better cards available for you.
**Evaluating Your Spending Habits**
The first step is to determine your monthly expenses across different categories such as:
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- Digital payments
- Contactless
- Food and beverage expenses
- Foreign Currency Spend
- Miscellaneous expenses
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 collection of credit cards to estimate the potential rewards you could earn from various credit cards, considering factors like reward rates, caps, and exclusions.
We ensure our database is current of credit card offers from all major banks and financial institutions 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 no-fee options for the first year.
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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 expenses and alerts you of changes needed in your card portfolio to enhance your rewards collection. This dynamic approach ensures you always have the best credit card portfolio to gain the most advantages.
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