How to Choose the Most Suitable Credit Cards for Your Lifestyle

Navigating the credit card perks options can be daunting with so many selections 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 aware if there are better cards available for you.



**Evaluating Your Spending Habits**

The first step is to understand your monthly expenses across different categories such as:
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- Digital payments
- Contactless
- Food and beverage expenses
- Overseas spending
- Other expenditures

This information helps us gain insight into your spending patterns and identify 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 estimate the potential rewards you could earn from various credit cards, considering factors like earning ratios, caps, and exclusions.

We ensure our database is current of credit card offers from all leading banks and providers in Singapore, including air miles and rebate options as well as Welcome Incentives.

We also provide 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 continuously updates its recommendations based on your expenses and alerts you of changes needed in your card portfolio to enhance your benefit accrual. This dynamic approach ensures you always have the optimal selection to achieve the highest returns.

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