Steps to Select the Most Suitable Credit Cards for Your Lifestyle

Steps to Select the Most Suitable Credit Cards for Your Lifestyle

Blog Article

How to Choose the Most Suitable Credit Cards for Your Needs

Understanding the credit card benefits arena can be overwhelming with so many choices available, each offering different offers, benefits, and advantages. Our system simplifies the process to help you get started in less than 5 minutes, with perpetual monitoring so that you are always informed if there are improved choices for you.



**Understanding Your Spending Habits**

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

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

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**Custom Credit Card Recommendations**

Next, our automated tool compares your spending patterns with our collection of credit cards to calculate the potential rewards you could earn from various credit cards, considering factors like earning ratios, caps, and exclusions.

We ensure our database is current of credit card offers from all leading banks and providers in Singapore, including miles and cashback cards as well as Sign-up Bonuses.

We also suggest options for further optimization such as only focusing on select bank offerings or cards with no required first-year annual fee.

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**Dynamic Tracking and Advice**

Since credit card terms can change over time, our platform regularly refreshes its recommendations based on your usage patterns and informs you of changes to your selection to enhance your benefit accrual. This dynamic approach ensures you always have the optimal selection to achieve the highest returns.

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