How to Choose the Best Credit Cards for Your Spending Habits

How to Choose the Best Credit Cards for Your Spending Habits

Blog Article

Steps to Select the Best Credit Cards for Your Spending Habits

Navigating the credit card perks landscape can be confusing with so many alternatives available, each offering different rewards, incentives, and perks. We have streamlined the process to make it easier to start 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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- Digital payments
- Tap-and-go
- Restaurant spending
- Overseas spending
- General Spend

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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**Custom 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 earning ratios, caps, and exclusions.

We ensure our database is current of credit card offers from all key financial players in Singapore, including air miles and rebate options as well as Sign-up Bonuses.

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

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**Ongoing Updates and Suggestions**

Since card benefits can change over time, our platform continuously updates its recommendations based on your expenses and alerts you of changes needed in your card portfolio to enhance your benefit accrual. This dynamic approach ensures you always have the optimal selection to achieve the highest returns.

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