Steps to Select the Most Suitable Credit Cards for Your Spending Habits

Steps to Select the Most Suitable Credit Cards for Your Spending Habits

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Steps to Select the Best Credit Cards for Your Needs

Navigating the credit card perks options can be overwhelming with so many alternatives available, each offering different miles, cashback, and bonuses. We have streamlined the process to help you get started in less than 5 minutes, with perpetual monitoring so that you are always informed if there are better cards available for you.



**Evaluating Your Spending Habits**

The first step is to determine your monthly expenses across different categories such as:
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- Digital payments
- Contactless
- Food and beverage expenses
- International payments
- Miscellaneous expenses

This information helps us better understand your spending patterns and identify the most suitable group of credit cards based on your spend.

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**Tailored Credit Card Recommendations**

Next, our artificial intelligence system compares your spending patterns with our collection of credit cards to calculate the potential rewards you could earn from various credit cards, considering factors like incentive percentages, caps, and exclusions.

We maintain an updated database of credit card offers from all major banks and financial institutions in Singapore, including reward and discount cards as well as Enrollment Offers.

We also suggest options for further optimization such as only looking at cards from specific banks or no-fee options for the first year.

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**Dynamic Tracking and Advice**

Since card benefits can change over time, our platform regularly refreshes its recommendations based on your expenses and informs you of changes to your selection to enhance your miles earned. This dynamic approach ensures you always have the optimal selection to gain the most advantages.

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