Steps to Select the Best Credit Cards for Your Spending Habits

Steps to Select the Best Credit Cards for Your Spending Habits

Blog Article

How to Choose the Best Credit Cards for Your Needs

Navigating the credit card perks landscape can be daunting with so many choices available, each offering different offers, benefits, and advantages. We've optimized 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 improved choices 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
- General Spend

This information helps us identify your spending patterns and identify the best set 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 repository of credit cards to evaluate the potential rewards you could earn from various credit cards, considering factors like incentive percentages, caps, and exclusions.

We keep a current repository 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 looking at cards from specific banks or cards with no required first-year annual fee.

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**Ongoing Updates and Suggestions**

Since card benefits can change over time, our platform continuously updates its recommendations based on your usage patterns and alerts you of changes to your selection to enhance your rewards collection. This adaptable process ensures you always have the ideal set of cards to maximize your rewards and benefits.

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