Tips for Choosing the Top Credit Cards for Your Needs

Tips for Choosing the Top Credit Cards for Your Needs

Blog Article

Steps to Select the Best Credit Cards for Your Spending Habits

Exploring the credit card benefits arena can be overwhelming with so many alternatives available, each offering different rewards, incentives, and perks. We have streamlined the process to make it easier to start in less than 5 minutes, with perpetual monitoring so that you are always informed if there are more suitable options 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
- Wireless transactions
- Food and beverage expenses
- International payments
- Other expenditures

This information helps us identify your spending patterns and recommend the optimal collection of credit cards based on your spend.

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**Custom Credit Card Recommendations**

Next, our AI-driven platform compares your spending patterns with our collection 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 major banks and financial institutions 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 no-fee options for the first year.

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**Ongoing Updates and Suggestions**

Since offers and conditions can change over time, our platform regularly refreshes its recommendations based on your expenses and informs you of changes to your selection to maximize your miles earned. This adaptable process ensures you always have the optimal selection to maximize your rewards and benefits.

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