How to Choose the Most Suitable Credit Cards for Your Needs
How to Choose the Most Suitable Credit Cards for Your Needs
Blog Article
How to Choose the Best Credit Cards for Your Lifestyle
Navigating the credit card benefits landscape 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.
**Understanding Your Spending Habits**
The first step is to analyze your monthly expenses across different categories such as:
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- Online
- Tap-and-go
- Dining
- International payments
- General Spend
This information helps us identify your spending patterns and determine the most suitable group of credit cards based on your spend.
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**Personalized Credit Card Recommendations**
Next, our artificial intelligence system compares your spending patterns with our database of credit cards to evaluate the potential rewards you could earn from various credit cards, considering factors like earning ratios, caps, and exclusions.
We keep a current repository 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 card benefits can change over time, our platform keeps track of its recommendations based on your usage patterns and alerts you of changes needed in your card portfolio to maximize your miles earned. This dynamic approach ensures you always have the best credit card portfolio to maximize your rewards and benefits.
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