The paper studies the roles of top-down planning and the bottom-up elements in complex problem-solving tasks. The paper investigates how factors, such as conceptual understanding, perceptual representation and previous experience with the task, influence action selection. The paper proposes to study the cognitive and perceptual aspects of problem-solving task within the environment of card game SET. The discussion is provided on cognitive and perceptual demands on the game, and the difference between novice and expert players is analyzed with respect to two types of processes. The hypotheses proposed in this paper are tested on data obtained through an eye tracking experiment. Based on findings the ACT-R model of human player is implemented and compared to human performance.