Tips for Choosing the Best Credit Cards for Your Lifestyle

Wiki Article

How to Choose the Top Credit Cards for Your Spending Habits

Navigating the credit card rewards options can be confusing with so many choices available, each offering different rewards, incentives, and perks. Our system simplifies the process to make it easier to start in less than 5 minutes, with perpetual 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 determine your monthly expenses across different categories such as:
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- E-commerce
- Contactless
- Food and beverage expenses
- Overseas spending
- Miscellaneous expenses

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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**Personalized Credit Card Recommendations**

Next, our AI-driven platform compares your spending patterns with our repository of credit cards to calculate the potential rewards you could earn from various credit cards, considering factors like incentive percentages, caps, and exclusions.

We ensure our database is current of credit card offers from all major banks and financial institutions in Singapore, including miles and cashback cards as well as Welcome Incentives.

We also offer options for further optimization such as only focusing on select bank offerings or fee-waived cards initially.

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**Dynamic Tracking and Advice**

Since offers and conditions can change over time, our platform keeps track of its recommendations based on your spending and informs you of changes to optimize your setup to boost your miles earned. This proactive method ensures you always have the optimal selection to maximize your rewards and benefits.

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