How to Choose the Best Credit Cards for Your Needs

How to Choose the Best Credit Cards for Your Needs

Blog Article

How to Choose the Most Suitable Credit Cards for Your Spending Habits

Understanding the credit card perks options can be confusing with so many choices available, each offering different miles, cashback, and bonuses. We have streamlined the process to help you get started in less than 5 minutes, with ongoing monitoring so that you are always aware if there are more suitable options for you.



**Analysing Your Spending Habits**

The first step is to determine your monthly expenses across different categories such as:
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- Digital payments
- Wireless transactions
- Dining
- International payments
- General Spend

This information helps us identify 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 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 reward and discount cards as well as Sign-up Bonuses.

We also offer options for further optimization such as only filtering cards by banks or cards with no required first-year annual fee.

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**Ongoing Updates and Suggestions**

Since offers and conditions can change over time, our platform regularly refreshes its recommendations based on your expenses and notifies you of changes to your selection to enhance your rewards collection. This proactive method ensures you always have the optimal selection to gain the most advantages.

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