Steps to Select the Top Credit Cards for Your Lifestyle

Steps to Select the Top Credit Cards for Your Lifestyle

Blog Article

How to Choose the Top Credit Cards for Your Spending Habits

Understanding the credit card rewards landscape can be overwhelming with so many alternatives available, each offering different offers, benefits, and advantages. We have streamlined the process to make it easier to start in less than 5 minutes, with continuous monitoring so that you are always aware if there are improved choices for you.



**Evaluating Your Spending Habits**

The first step is to understand 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 identify your spending patterns and identify 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 estimate the potential rewards you could earn from various credit cards, considering factors like earning ratios, caps, and exclusions.

We maintain an updated database of credit card offers from all key financial players in Singapore, including air miles and rebate options as well as Welcome Incentives.

We also provide options for further optimization such as only focusing on select bank offerings or cards with no required first-year annual fee.

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**Dynamic Tracking and Advice**

Since offers and conditions can change over time, our platform continuously updates its recommendations based on your expenses and informs you of changes to your selection to maximize your rewards collection. This dynamic approach ensures you always have the ideal set of cards to maximize your rewards and benefits.

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