How to Choose the Most Suitable Credit Cards for Your Spending Habits

How to Choose the Most Suitable Credit Cards for Your Spending Habits

Blog Article

Tips for Choosing the Best Credit Cards for Your Needs

Exploring the credit card perks arena can be daunting with so many alternatives available, each offering different offers, benefits, and advantages. We have streamlined the process to help you get started in less than 5 minutes, with perpetual monitoring so that you are always kept updated if there are better cards available 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
- International payments
- Miscellaneous expenses

This information helps us better understand your spending patterns and recommend the best set 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 repository of credit cards to evaluate 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 air miles and rebate options as well as Sign-up Bonuses.

We also offer 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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**Ongoing Updates and Suggestions**

Since offers and conditions can change over time, our platform keeps track of its recommendations based on your usage patterns and informs you of changes needed in your card portfolio to maximize your rewards collection. This proactive method ensures you always have the optimal selection to achieve the highest returns.

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