Steps to Select the Top Credit Cards for Your Spending Habits

Steps to Select the Top Credit Cards for Your Spending Habits

Blog Article

Tips for Choosing the Best Credit Cards for Your Needs

Exploring the credit card benefits options can be overwhelming with so many choices available, each offering different miles, cashback, and bonuses. We have streamlined the process to help you get started in less than 5 minutes, with perpetual 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
- Contactless
- Dining
- International payments
- General Spend

This information helps us gain insight into your spending patterns and identify the best set of credit cards based on your spend.

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**Tailored Credit Card Recommendations**

Next, our artificial intelligence system compares your spending patterns with our repository of credit cards to estimate the potential rewards you could earn from various credit cards, considering factors like reward rates, caps, and exclusions.

We keep a current repository of credit card offers from all key financial players in Singapore, including miles and cashback cards as well as Welcome Incentives.

We also provide options for further optimization such as only looking at cards from specific banks or fee-waived cards initially.

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**Continuous Monitoring and Recommendations**

Since offers and conditions can change over time, our platform regularly refreshes its recommendations based on your spending and alerts you of changes to your selection to enhance your benefit accrual. This dynamic approach ensures you always have the best credit card portfolio to gain the most advantages.

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