Steps to Select the Top Credit Cards for Your Needs

Steps to Select the Top Credit Cards for Your Needs

Blog Article

How to Choose the Most Suitable Credit Cards for Your Spending Habits

Exploring the credit card benefits landscape can be daunting with so many alternatives available, each offering different rewards, incentives, and perks. We have streamlined the process to help you get started in less than 5 minutes, with ongoing monitoring so that you are always informed 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
- Food and beverage expenses
- Overseas spending
- Other expenditures

This information helps us better understand 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 evaluate the potential rewards you could earn from various credit cards, considering factors like incentive percentages, caps, and exclusions.

We ensure our database is current of credit card offers from all major banks and financial institutions in Singapore, including reward and discount 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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**Continuous Monitoring and Recommendations**

Since card benefits can change over time, our platform continuously updates its recommendations based on your spending and informs you of changes needed in your card portfolio to maximize your benefit accrual. This adaptable process ensures you always have the optimal selection to gain the most advantages.

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