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 Most Suitable Credit Cards for Your Lifestyle

Exploring the credit card perks landscape can be overwhelming with so many selections available, each offering different offers, benefits, and advantages. We have streamlined the process to assist you in beginning in less than 5 minutes, with ongoing monitoring so that you are always aware 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
- Food and beverage expenses
- Overseas spending
- General Spend

This information helps us gain insight into your spending patterns and determine the optimal collection of credit cards based on your spend.

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**Custom Credit Card Recommendations**

Next, our artificial intelligence system 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 earning ratios, caps, and exclusions.

We keep a current repository of credit card offers from all key financial players in Singapore, including miles and cashback cards as well as Enrollment Offers.

We also suggest options for further optimization such as only looking at cards from specific banks or fee-waived cards initially.

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**Continuous Monitoring and Recommendations**

Since card benefits can change over time, our platform keeps track of its recommendations based on your expenses and informs you of changes needed in your card portfolio to boost your rewards collection. This dynamic approach ensures you always have the best credit card portfolio to achieve the highest returns.

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