Tips for Choosing the Best Credit Cards for Your Needs

Tips for Choosing the Best Credit Cards for Your Needs

Blog Article

Steps to Select the Most Suitable Credit Cards for Your Spending Habits

Navigating the credit card benefits options can be daunting with so many selections available, each offering different rewards, incentives, and perks. We have streamlined the process to assist you in beginning in less than 5 minutes, with continuous monitoring so that you are always aware if there are better cards available for you.



**Evaluating Your Spending Habits**

The first step is to understand your monthly expenses across different categories such as:
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- E-commerce
- Wireless transactions
- Food and beverage expenses
- Foreign Currency Spend
- General Spend

This information helps us gain insight into your spending patterns and identify the best set of credit cards based on your spend.

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**Tailored Credit Card Recommendations**

Next, our automated tool compares your spending patterns with our database of credit cards to estimate 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 suggest options for further optimization such as only filtering cards by banks or fee-waived cards initially.

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**Continuous Monitoring and Recommendations**

Since offers and conditions can change over time, our platform regularly refreshes its recommendations based on your usage patterns and informs you of changes needed in your card portfolio to maximize your miles earned. This proactive method ensures you always have the optimal selection to gain the most advantages.

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