Steps to Select the Top Credit Cards for Your Needs

Navigating the credit card perks options can be overwhelming 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 analyze your monthly expenses across different categories such as:
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- Online
- Contactless
- Restaurant spending
- Overseas spending
- Other expenditures

This information helps us identify your spending patterns and identify the most suitable group of credit cards based on your spend.

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**Custom Credit Card Recommendations**

Next, our automated tool compares your spending patterns with our repository 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 key financial players in Singapore, including reward and discount cards as well as Welcome Incentives.

We also suggest options for further optimization such as only filtering cards by banks or fee-waived cards initially.

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**Continuous Monitoring and Recommendations**

Since card benefits can change over time, our platform regularly refreshes its recommendations based on your usage patterns and informs you of changes to optimize your setup to maximize your rewards collection. This dynamic approach ensures you always have the optimal selection to achieve the highest returns.

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