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How much plastic do you have in your wallet?
Chances are you don’t just have one credit card, or two, or even three — the average Singaporean is walking around with a whopping 5 cards in their pocket.
There are even more credit cards in our country than there are people! 1.62 cards per capita, to be precise.
So in this competitive world of credit cards, it’s tricky to find the best one for you and for your spending. Which card offers you the best rewards on your everyday transactions? Are you making the most out of your current cards? And what will improve your chances of getting approved for a great credit card?
Well, to answer all those questions, you need the Dobin app.
First up, how do you apply for a credit card in the first place?
If you do it the traditional way, the chances are you spend hours researching online to find the card that looks like the best fit for you. Perhaps you get a recommendation from a friend, or simply go on hype around a brand name (the Amex Black isn’t famous for nothing…)
Then, once you’ve found the card you like, you make your lengthy application and cross your fingers. Either you’re approved, which could take up to 14 working business days, and you start spending, or you’re declined and the search starts all over again.
You don’t need us to tell you that this way of getting a credit card is a lot of hassle and a huge waste of time.
But what if we could turn the application process on its head?
Singapore’s competitive credit card market can work in your favour. If you consent to sharing your data with credit card providers, you can make data-informed decisions to find the best credit card recommendation for you.
This is where Dobin comes in. The newest financial management app in Singapore, Dobin is revolutionising the way you manage what’s in your wallet.
By using the power of Open Finance, Dobin uses the data you already have to show your value as a new customer to credit card companies. With your consent, we use your data, to put YOU back in control.
First up, simply connect your accounts to the Dobin app. Then the app will do the hard work for you, analysing your data and summarising credit cards that suit your spending pattern.
Dobin will look at data such as your spending, the potential credit card rewards you can claim, and any fees, to help you optimise your spending and maximise the benefits. The app will create a helpful list for you, putting all our research into one place and helping you make a strategic, data-informed choice.
Found your next card? When you’re ready to apply, Dobin takes care of that for you too, but with a twist. You can opt to share your financial data anonymously with the credit card providers, who will approach you with their best offer. Instead of crossing your fingers and blindly sending out credit card applications, Dobin makes the credit card providers come to you. They understand from your financial data that you’re a great customer, so now it’s time for them to impress you, not the other way around!
Dobin puts you back where you should be: in control.
Dobin isn’t just for when you look for a new credit card, however. We’ve designed it to be the financial app you rely on for your everyday spend. By harnessing the power of your financial data, you can optimise everything you do on your credit card.
Looking to make a large purchase? Open the app to see which card you should use to minimise the interest and fees payable. Heading out to dinner? Use Dobin to identify which card offers rewards for eating out, and make sure you’re racking up the rewards you deserve. Struggling to manage all your outgoings? Dobin gives you full visibility on upcoming recurring payments and subscriptions.
Dobin is all about putting you back in the driver’s seat by giving you full control over your financial data.
You see, there’s power in your financial data. Your financial data can be used to your advantage and the information you already have on your phone and in your bank account is extremely valuable.
Because we understand this, we take data protection very seriously. We use multiple levels of encryption as standard, and are always researching the best in data protection technology, so we can implement cutting edge techniques. Your consent is our priority, and we never share your data without your express permission.
Most importantly, we only store your data in your Dobin app on your phone, and not on our servers. This means that you’re fully in control with all your financial data stored right in your pocket.
Make data driven decisions that maximise your credit card rewards, and discover your next card, all with just one application!
Download Dobin today.
