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

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

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Steps to Select the Top Credit Cards for Your Spending Habits

Navigating the credit card rewards landscape can be confusing with so many alternatives available, each offering different miles, cashback, and bonuses. We have streamlined the process to make it easier to start in less than 5 minutes, with perpetual monitoring so that you are always kept updated if there are better cards available for you.



**Understanding Your Spending Habits**

The first step is to analyze your monthly expenses across different categories such as:
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- Digital payments
- Contactless
- Restaurant spending
- International payments
- Other expenditures

This information helps us gain insight into your spending patterns and recommend the most suitable group of credit cards based on your spend.

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**Custom Credit Card Recommendations**

Next, our AI-driven platform 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 maintain an updated database of credit card offers from all leading banks and providers in Singapore, including miles and cashback cards as well as Enrollment Offers.

We also offer options for further optimization such as only filtering cards by banks or cards with no required first-year annual fee.

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**Continuous Monitoring and Recommendations**

Since card benefits can change over time, our platform continuously updates its recommendations based on your expenses and alerts you of changes needed in your card portfolio to enhance your benefit accrual. This proactive method ensures you always have the ideal set of cards to maximize your rewards and benefits.

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