Steps to Select the Best Credit Cards for Your Spending Habits

Steps to Select the Best Credit Cards for Your Spending Habits

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Tips for Choosing the Best Credit Cards for Your Needs

Exploring the credit card rewards options can be confusing with so many choices available, each offering different offers, benefits, and advantages. We have streamlined the process to assist you in beginning in less than 5 minutes, with continuous monitoring so that you are always informed 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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- E-commerce
- Tap-and-go
- Restaurant spending
- Foreign Currency Spend
- General Spend

This information helps us gain insight into your spending patterns and identify the best set of credit cards based on your spend.

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**Personalized 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 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 Sign-up Bonuses.

We also offer options for further optimization such as only filtering cards by banks or no-fee options for the first year.

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**Continuous Monitoring and Recommendations**

Since card benefits can change over time, our platform continuously updates its recommendations based on your expenses and alerts you of changes to your selection to boost your miles earned. This proactive method ensures you always have the optimal selection to achieve the highest returns.

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