Navigating the credit card rewards arena can be confusing with so many choices available, each offering different miles, cashback, and bonuses. We've optimized the process to assist you in beginning in less than 5 minutes, with ongoing monitoring so that you are always kept updated if there are improved choices 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
- Tap-and-go
- Food and beverage expenses
- Foreign Currency Spend
- Miscellaneous expenses
This information helps us gain insight into 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 estimate 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 leading banks and providers in Singapore, including reward and discount cards as well as Sign-up Bonuses.
We also offer options for further optimization such as only looking at cards from specific banks or no-fee options for the first year.
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**Ongoing Updates and Suggestions**
Since card benefits can change over time, our platform continuously updates its recommendations based on your spending and informs you of changes to your selection to enhance your rewards collection. This proactive method ensures you always have the ideal set of cards to achieve the highest returns.
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