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 Top Credit Cards for Your Spending Habits

Understanding the credit card rewards landscape can be overwhelming with so many alternatives available, each offering different miles, cashback, and bonuses. We have streamlined 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.



**Evaluating Your Spending Habits**

The first step is to understand your monthly expenses across different categories such as:
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- Digital payments
- Wireless transactions
- Restaurant spending
- Foreign Currency Spend
- 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 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 maintain an updated database of credit card offers from all leading banks and providers in Singapore, including reward and discount cards as well as Sign-up Bonuses.

We also provide options for further optimization such as only focusing on select bank offerings or no-fee options for the first year.

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**Dynamic Tracking and Advice**

Since offers and conditions can change over time, our platform continuously updates its recommendations based on your usage patterns and notifies you of changes needed in your card portfolio to boost your miles earned. This adaptable process ensures you always have the optimal selection to maximize your rewards and benefits.

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