Tips for Choosing the Most Suitable Credit Cards for Your Spending Habits

Tips for Choosing the Most Suitable Credit Cards for Your Spending Habits

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Tips for Choosing the Top Credit Cards for Your Needs

Navigating the credit card rewards landscape can be daunting with so many selections available, each offering different rewards, incentives, and perks. Our system simplifies the process to assist you in beginning in less than 5 minutes, with perpetual monitoring so that you are always aware if there are more suitable options for you.



**Analysing Your Spending Habits**

The first step is to understand your monthly expenses across different categories such as:
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- Online
- Wireless transactions
- Dining
- Overseas spending
- General Spend

This information helps us gain insight into your spending patterns and identify 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 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 air miles and rebate options as well as Welcome Incentives.

We also provide 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 continuously updates its recommendations based on your spending and informs you of changes to your selection to enhance your benefit accrual. This adaptable process ensures you always have the ideal set of cards to maximize your rewards and benefits.

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