Steps to Select the Top Credit Cards for Your Needs

Navigating the credit card rewards landscape can be confusing with so many alternatives available, each offering different offers, benefits, and advantages. Our system simplifies the process to help you get started in less than 5 minutes, with continuous monitoring so that you are always kept updated if there are more suitable options for you.



**Analysing Your Spending Habits**

The first step is to understand your monthly expenses across different categories such as:
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- Digital payments
- Wireless transactions
- Food and beverage expenses
- Overseas spending
- General Spend

This information helps us identify your spending patterns and determine the optimal collection of credit cards based on your spend.

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**Personalized Credit Card Recommendations**

Next, our automated tool compares your spending patterns with our database of credit cards to evaluate 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 key financial players in Singapore, including miles and cashback cards as well as Enrollment Offers.

We also suggest options for further optimization such as only focusing on select bank offerings or cards with no required first-year annual fee.

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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 spending and notifies you of changes to optimize your setup to maximize your miles earned. This proactive method ensures you always have the optimal selection to achieve the highest returns.

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