“You don’t need a new card.”
If the cards you have already do the job, that’s the answer you get.
SG Credit Card Advisor · Traceipt Max
Every dollar on the card that pays back most.
Traceipt matches your real spending to your cards — the ones you hold and any worth adding — and shows what a better match is worth, in dollars.
Coming soon to the App Store, iOS first. A comparison, not financial advice — always confirm a card’s current terms with the bank.
RewardsSample
•••• 7730
MilesSample
•••• 5106
Better fit
CashbackSample
•••• 4821
Best fit
01 Your strategy
Your spending. Your cards. Your strategy.
Not a best-cards list. Tell it what you spend, the cards you hold and how many you’d carry — it works out which card to use for what, and what that’s worth.
Coming soon The strategy builder is planned, not yet built.
What you spend a month
- DiningS$400
- GroceriesS$350
- Everything elseS$750
Cards you hold
- Cashback
- Rewards
Max cards
123
Your strategy
- Cashback card5% on dining and groceriesActive
- Rewards cardBonus doesn’t fitNot needed
No new card needed.
Paying nowIllustrative
Kopi LaneDining · contactlessS$38.40
- Cashback card5% on diningS$1.92
- Miles card0.4 miles per S$1~15 mi
- Rewards card0.3% on diningS$0.12
Use your Cashback card.5% on dining, with S$72 of this month’s dining bonus still left.
02 Day to day
The right card, every time you pay.
At the till, it tells you which card to use for what you’re buying — one answer, with the reason.
Coming soon Answers for the exact purchase — its amount, how you pay and the cap left this month. The current version answers by type of spending.
03 Card tracking
It manages the strategy for you.
Once the strategy exists, the app keeps count on every card: what you’ve spent, how close you are to its bonus cap, whether its minimum spend is met, and how much of the credit limit is used.
See, per card and across every bank, how close you are to each limit.
Coming soon The cap, minimum-spend and credit-limit meters. Spend and purchases per card are already in the app.
Your cards+ Add card
Cashback card
S$1,184.20spent this month
•• 4821
1 of 3
This monthS$1,184.20
Purchases23
Where this card stands
Offers for your spendingComing soon
- Cashback card · sign-upS$150 cashbackAfter S$500 of spending in the first 30 days.Fits your spending
- Miles card · welcome bonus30,000 bonus milesAfter S$800 in 60 days — about S$450 at 1.5¢ a mile.Fits your spending
- Petrol card · giftCabin luggage setIts rewards are on petrol, which isn’t in this spending.Not for this spending
Sample offers, illustrative only. Only offers you’d reach with spending you already do.
04 Deals
Coming soon
Deals that fit your cards.
Current sign-up and bonus offers — cashback, miles, gifts — for the cards that suit your spending, not a generic list. Always shown as a one-off extra, never counted in your ongoing value.
05 A worked example
What a better match is worth.
The same S$1,500 of sample spending, on a card that doesn’t fit it and on one that does.
Worked example · sample spending · not a forecast
Poorly matchedRewards card · 0.3% on all of this spending
| Spending | S$ | Rate | Cashback |
|---|---|---|---|
| Dining | 400 | 0.3% | S$1.20 |
| Groceries | 350 | 0.3% | S$1.05 |
| Everything else | 750 | 0.3% | S$2.25 |
| Total | 1,500 | S$4.50 |
Well matchedCashback card · 5% on dining and groceries
| Spending | S$ | Rate | Cashback |
|---|---|---|---|
| Dining | 400 | 5% | S$20.00 |
| Groceries | 350 | 5% | S$17.50 |
| Everything else | 750 | 0.2% | S$1.50 |
| Total | 1,500 | S$39.00 |
S$4.50poorly matchedS$39.00well matched
S$34.50 morein this sample month, from exactly the same spending.
This is arithmetic on sample figures, not an estimate of what you’ll earn. Real cards add conditions — caps, minimum spends, exclusions and fees — and spending changes month to month. The Advisor does this sum on your own recorded spending and your cards’ current terms, and says so plainly when the gap is small.
Assumptions in this example
- Sample spending of S$1,500 in one month, split as shown.
- Generic sample cards, not real products.
- Rewards card: 0.3% on all of this spending, as its bonus categories aren’t in it.
- Cashback card: 5% on dining and groceries, capped at S$25 each a month (not reached here); 0.2% on everything else.
- No annual fees, and every purchase qualifies for its category.
06 Honest by design
It’s allowed to say “keep what you have.”
Value after what you pay.
A card’s annual fee comes off before anything is called a gain.
Coming soon Shown after the cost of Max, too.
Never “spend more to earn more.”
It only moves spending you’d already planned onto the better card.
A comparison tool, not financial advice. It doesn’t weigh your wider finances, debts or goals, and every figure is an estimate. Card terms change often — confirm the current terms with the bank before you apply.
The ranking isn’t for sale.
An application link may earn us a commission. It never decides the order, which cards are covered, or which get checked first — only the link behind Apply.
Plans Where it lives
In the Traceipt app, with Max.
Free
S$0
Last month’s figure, and what using your cards better would have earned.
Pro
S$4.99/month
3-day free trial. The same Advisor access as Free.
Max Advisor
S$9.99/month
The full Credit Card Advisor. No free trial.
The app is coming soon to the App Store — iOS first, Android to follow.
FAQ Good to know
Credit cards in Singapore, answered.
It depends on the card, the cap and the month — not on the category alone. Traceipt checks the cards you already hold against each card’s published terms and your own recorded spending, and gives you one card for that kind of spending with the reason behind it. Answers that account for this month’s cap and minimum-spend progress are coming soon.
By arithmetic on your own spending, not by a general ranking. Plain code applies each card’s published rates, caps, minimum spends, tiers and exclusions to the purchases you have recorded in Traceipt. Spending whose eligibility cannot be confirmed is counted at the base rate rather than the bonus rate, so the estimate does not flatter a card.
Possibly, and the amount is worth knowing before you change anything. Traceipt compares what your cards earned as you actually used them against what the same cards would have earned used properly. That second number needs no new card and no application. If the gap is small, it says the gap is small.
No. It is a comparison tool. It does not take your wider financial situation, debts or goals into account, and it never recommends spending more — it only decides which card pays for spending you had already planned. Card terms change often, so confirm the current terms with the bank before you apply for anything.
No. The cards on this page are generic samples, not real bank products, and every rate, offer and figure is illustrative. The worked example is arithmetic on sample spending, not an estimate of what you would earn. Always confirm a card’s current terms with the bank.
Only when the numbers support it, and it is allowed to conclude the opposite. “You don’t need a new card” and “that one isn’t worth the hassle” are valid results. A new card’s annual fee is deducted before any gain is reported, and a small yearly gain is reported as small.
An application link may earn us a commission. It has no input into the order cards appear in, which cards are covered, or which cards get researched first. The order you see is by what each card would have returned on your spending.
Usually a cap or a minimum spend. A cap is the most a card pays back in a period; a minimum spend is what you must reach before the higher rate applies at all. Most cards apply both, plus exclusions on certain merchants or transaction types, which is why a headline rate rarely lands in full.
No. It works from spending already captured in Traceipt — tapped at a counter, photographed, or typed in. Traceipt does not connect to your bank, your card issuer or CPF.
The full Advisor is part of Traceipt Max at S$9.99 a month, with no free trial. Free shows last month’s figure and what better use of your cards would have earned. Pro at S$4.99 a month, with a 3-day trial, has the same Advisor access as Free.
Not yet. The Traceipt app is coming soon to the App Store, iOS first, and you can join the waitlist now. Anything marked “Coming soon” on this page is planned and not yet built.
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