Steps to Select the Top Credit Cards for Your Spending Habits

Navigating the credit card perks arena can be overwhelming with so many choices available, each offering different offers, benefits, and advantages. We have streamlined the process to assist you in beginning in less than 5 minutes, with continuous monitoring so that you are always informed if there are improved choices for you.



**Understanding 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
- Overseas spending
- General Spend

This information helps us identify your spending patterns and determine the most suitable group 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 keep a current repository of credit card offers from all major banks and financial institutions in Singapore, including reward and discount cards as well as Sign-up Bonuses.

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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**Dynamic Tracking and Advice**

Since offers and conditions can change over time, our platform regularly refreshes its recommendations based on your spending and informs you of changes to optimize your setup to enhance your miles earned. This dynamic approach ensures you always have the ideal set of cards to gain the most advantages.

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