Understanding the credit card rewards options can be confusing with so many alternatives available, each offering different rewards, incentives, and perks. Our system simplifies the process to make it easier to start in less than 5 minutes, with perpetual monitoring so that you are always kept updated if there are more suitable options for you.
**Understanding Your Spending Habits**
The first step is to analyze your monthly expenses across different categories such as:
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- Online
- Tap-and-go
- Food and beverage expenses
- Foreign Currency Spend
- Miscellaneous expenses
This information helps us better understand your spending patterns and determine the optimal collection of credit cards based on your spend.
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**Tailored Credit Card Recommendations**
Next, our automated tool compares your spending patterns with our database of credit cards to calculate the potential rewards you could earn from various credit cards, considering factors like incentive percentages, caps, and exclusions.
We ensure our database is current of credit card offers from all major banks and financial institutions in Singapore, including air miles and rebate options as well as Enrollment Offers.
We also offer options for further optimization such as only focusing on select bank offerings or no-fee options for the first year.
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**Ongoing Updates and Suggestions**
Since credit card terms can change over time, our platform regularly refreshes its recommendations based on your usage patterns and informs you of changes to your selection to enhance your benefit accrual. This adaptable process ensures you always have the best credit card portfolio to gain the most advantages.
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