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This past week, I attended three meetings of a very different sort. At work, I had the unfortunate opportunity to attend a meeting that was uninspiring, drab and just a pain-in-the-ass.

Outside of work, I had two meetings – one with a student that I taught a year ago and one with one of the founders of a startup. Both were inspiring, energetic and you could tell that they really believed in their ideas.

It’s my meeting with Dexter, one of the co-founders of a startup that I want to talk about.

My initial thinking

A few ago, Dexter reached out to me via email to ask if I would do a shout-out for their site, Initially, I was hesitant to do so as readers of this blog would know that I’m not one of those bloggers that are into squeezing out every single cent from a budget or tracking which cards gets you that extra percentage point of cashback.

In short, I’m lazy and I’m not sure if it’s worth the hassle of applying for a card just to squeeze out a few percentage points of returns. If you’re not a big spender, these extra percentage points could be nothing more than a few dollars a month. You would probably find it easier to reduce your consumption in some areas to save a few bucks a month. For example, you could reduce your consumption of bubble tea by 1 cup a week and save something like $15-20 bucks a month if that’s your goal.

Of course, the other reason is that my blog probably doesn’t get that much of a readership for the kind of target audience that would find WhatCard useful since traffic to this blog isn’t exactly high.

But I decided to meet up with Dexter anyway to hear him out and I was quite impressed with what I heard. At this point, if you’re wondering, we met over a beer and no, he didn’t buy me a beer to write this.

I’m writing this post because I think these young guys have a good idea going and it’s nice to show some support to enthusiastic young people, hustling to get ahead in life.


Anyway, back to business. is a site that allows users to compare which credit cards in Singapore gives you the most bang for buck in terms of getting cashback or miles.

The site allows you to search by merchant so you can decide which card to use before you pay or if you’re really looking to hack more miles and cashback, then you can decide which merchants to visit.

It’s free for users but I understand that takes a cut if you decide to sign up for (some?) cards when you click on the links on their site.

In short, you’ll find WhatCard really useful if you’re the type to maximise getting cashback and/or miles for your daily spending. From my observation, they also have a community page where users share and contribute ideas on how to hack their cashback and miles so that might be a good platform for keeping up to date on how to get the most out of your credit card spending.

Room for improvement

Dexter and team are aware of their current limitations and they have plans to roll out improvements in the future to address some limitations. In fact, Dexter shared that they plan to have a recommendation engine that allows users to know what cards give them the best rewards in terms of cashback and miles for their given spending profile.

I was quite excited to hear this because that would address the needs of people like me who want to even know which card I should sign up for given how I usually spend.

Other points I think they could do better include:

  • Optimising their site for mobile. It looks ok on the desktop but a little cramped on a mobile screen.
  • Showing you only the relevant info. Right now, searching for a merchant shows you the promo for every card but it’s probably more useful for you to know which cards, among those you already have, to use. Dexter tells me that they are already aware of this and it’s something they are working on.
  • Having a geolocation feature so that WhatCard can show you which merchants in the area offer the best rewards.


In short, is pretty useful if you’re already trying to optimise cashback or getting air miles on your credit card. The community page looks like a great resource for staying up to date on strategies to this end as well. There are limitations that the team is aware of and I think it’s a great effort from a bunch of young people in Singapore.