Steps to Select the Best Credit Cards for Your Spending Habits

Steps to Select the Best Credit Cards for Your Spending Habits

Blog Article

How to Choose the Top Credit Cards for Your Lifestyle

Understanding the credit card rewards arena can be confusing with so many alternatives available, each offering different miles, cashback, and bonuses. Our system simplifies the process to assist you in beginning in less than 5 minutes, with continuous monitoring so that you are always aware if there are better cards available for you.



**Analysing Your Spending Habits**

The first step is to understand your monthly expenses across different categories such as:
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- E-commerce
- Contactless
- Food and beverage expenses
- Overseas spending
- General Spend

This information helps us gain insight into your spending patterns and recommend the optimal collection 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 database of credit cards to estimate the potential rewards you could earn from various credit cards, considering factors like incentive percentages, caps, and exclusions.

We keep a current repository of credit card offers from all major banks and financial institutions in Singapore, including reward and discount cards as well as Sign-up Bonuses.

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

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**Ongoing Updates and Suggestions**

Since credit card terms can change over time, our platform continuously updates its recommendations based on your usage patterns and alerts you of changes to your selection to maximize your benefit accrual. This proactive method ensures you always have the optimal selection to maximize your rewards and benefits.

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