Steps to Select the Best Credit Cards for Your Spending Habits

Exploring the credit card rewards options can be daunting with so many choices available, each offering different miles, cashback, and bonuses. Our system simplifies the process to help you get started in less than 5 minutes, with perpetual monitoring so that you are always informed 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
- Contactless
- Dining
- Foreign Currency Spend
- General Spend

This information helps us identify your spending patterns and identify the optimal collection 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 database of credit cards to estimate 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 leading banks and providers in Singapore, including miles and cashback cards as well as Sign-up Bonuses.

We also suggest options for further optimization such as only focusing on select bank offerings 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 spending and notifies you of changes needed in your card portfolio to enhance your miles earned. This adaptable process ensures you always have the best credit card portfolio to maximize your rewards and benefits.

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