Steps to Select the Best Credit Cards for Your Needs

Steps to Select the Best Credit Cards for Your Needs

Blog Article

How to Choose the Top Credit Cards for Your Spending Habits

Exploring the credit card rewards options can be overwhelming with so many selections available, each offering different miles, cashback, and bonuses. Our system simplifies the process to help you get started in less than 5 minutes, with perpetual monitoring so that you are always aware if there are improved choices for you.



**Analysing Your Spending Habits**

The first step is to analyze your monthly expenses across different categories such as:
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- E-commerce
- Contactless
- Food and beverage expenses
- International payments
- Other expenditures

This information helps us better understand 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 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 Sign-up Bonuses.

We also provide 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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**Continuous Monitoring and Recommendations**

Since offers and conditions can change over time, our platform keeps track of its recommendations based on your spending and alerts you of changes needed in your card portfolio to boost your benefit accrual. This adaptable process ensures you always have the ideal set of cards to achieve the highest returns.

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