How to Choose the Top Credit Cards for Your Spending Habits

Wiki Article

Tips for Choosing the Most Suitable 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 make it easier to start in less than 5 minutes, with ongoing monitoring so that you are always informed if there are more suitable options for you.



**Understanding Your Spending Habits**

The first step is to analyze your monthly expenses across different categories such as:
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- Digital payments
- Tap-and-go
- Dining
- Overseas spending
- Other expenditures

This information helps us better understand your spending patterns and determine the optimal collection of credit cards based on your spend.

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**Personalized Credit Card Recommendations**

Next, our artificial intelligence system compares your spending patterns with our database of credit cards to calculate 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 leading banks and providers in Singapore, including air miles and rebate options as well as Enrollment Offers.

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

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**Dynamic Tracking and Advice**

Since card benefits can change over time, our platform regularly refreshes its recommendations based on your expenses and informs you of changes to optimize your setup to enhance your rewards collection. This dynamic approach ensures you always have the best credit card portfolio to maximize your rewards and benefits.

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