How to Choose the Top Credit Cards for Your Needs
How to Choose the Top Credit Cards for Your Needs
Blog Article
Tips for Choosing the Top Credit Cards for Your Lifestyle
Navigating the credit card perks arena can be confusing with so many alternatives available, each offering different miles, cashback, and bonuses. We've optimized the process to help you get started in less than 5 minutes, with continuous monitoring so that you are always aware if there are improved choices for you.
**Analysing Your Spending Habits**
The first step is to understand your monthly expenses across different categories such as:
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- Online
- Wireless transactions
- Food and beverage expenses
- International payments
- Miscellaneous expenses
This information helps us gain insight into your spending patterns and determine the most suitable group of credit cards based on your spend.
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**Custom Credit Card Recommendations**
Next, our artificial intelligence system compares your spending patterns with our database of credit cards to calculate 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 leading banks and providers in Singapore, including miles and cashback cards as well as Welcome Incentives.
We also offer 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 credit card terms can change over time, our platform regularly refreshes its recommendations based on your usage patterns and alerts you of changes needed in your card portfolio 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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