Steps to Select the Most Suitable Credit Cards for Your Needs

Steps to Select the Most Suitable Credit Cards for Your Needs

Blog Article

Tips for Choosing the Best Credit Cards for Your Spending Habits

Understanding the credit card perks options can be overwhelming with so many selections available, each offering different rewards, incentives, and perks. We've optimized the process to assist you in beginning in less than 5 minutes, with ongoing monitoring so that you are always aware if there are better cards available for you.



**Evaluating Your Spending Habits**

The first step is to analyze your monthly expenses across different categories such as:
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- E-commerce
- Tap-and-go
- Dining
- Foreign Currency Spend
- Miscellaneous expenses

This information helps us better understand your spending patterns and determine the optimal collection of credit cards based on your spend.

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**Tailored Credit Card Recommendations**

Next, our AI-driven platform compares your spending patterns with our repository of credit cards to calculate 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 major banks and financial institutions in Singapore, including air miles and rebate options as well as Sign-up Bonuses.

We also provide options for further optimization such as only looking at cards from specific banks 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 informs you of changes to optimize your setup to maximize your rewards collection. This proactive method ensures you always have the optimal selection to gain the most advantages.

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