Steps to Select the Best Credit Cards for Your Needs

Steps to Select the Best Credit Cards for Your Needs

Blog Article

How to Choose the Top Credit Cards for Your Spending Habits

Navigating the credit card benefits options can be daunting with so many alternatives available, each offering different miles, cashback, and bonuses. 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 more suitable options for you.



**Understanding Your Spending Habits**

The first step is to determine your monthly expenses across different categories such as:
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- E-commerce
- Tap-and-go
- Dining
- Foreign Currency Spend
- Other expenditures

This information helps us gain insight into your spending patterns and determine the most suitable group of credit cards based on your spend.

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**Tailored Credit Card Recommendations**

Next, our AI-driven platform 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 earning ratios, caps, and exclusions.

We keep a current repository 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 suggest options for further optimization such as only focusing on select bank offerings or fee-waived cards initially.

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**Continuous Monitoring and Recommendations**

Since credit card terms can change over time, our platform regularly refreshes its recommendations based on your expenses and alerts you of changes needed in your card portfolio to maximize your miles earned. This proactive method ensures you always have the ideal set of cards to gain the most advantages.

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