Steps to Select the Best Credit Cards for Your Spending Habits

Steps to Select the Best Credit Cards for Your Spending Habits

Blog Article

Tips for Choosing the Most Suitable Credit Cards for Your Needs

Understanding the credit card perks landscape can be daunting with so many choices available, each offering different miles, cashback, and bonuses. We've optimized the process to assist you in beginning in less than 5 minutes, with ongoing monitoring so that you are always kept updated if there are more suitable options for you.



**Understanding Your Spending Habits**

The first step is to understand your monthly expenses across different categories such as:
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- Online
- Wireless transactions
- Restaurant spending
- Foreign Currency Spend
- Other expenditures

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 evaluate the potential rewards you could earn from various credit cards, considering factors like incentive percentages, caps, and exclusions.

We keep a current repository of credit card offers from all leading banks and providers in Singapore, including reward and discount cards as well as Welcome Incentives.

We also suggest options for further optimization such as only filtering cards by banks or cards with no required first-year annual fee.

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**Ongoing Updates and Suggestions**

Since credit card terms can change over time, our platform regularly refreshes its recommendations based on your usage patterns and alerts you of changes to your selection to enhance your benefit accrual. This adaptable process ensures you always have the best credit card portfolio to gain the most advantages.

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