Steps to Select the Best Credit Cards for Your Needs

Steps to Select the Best Credit Cards for Your Needs

Blog Article

Tips for Choosing the Best Credit Cards for Your Spending Habits

Exploring the credit card rewards landscape can be daunting with so many selections available, each offering different miles, cashback, and bonuses. We have streamlined the process to make it easier to start in less than 5 minutes, with continuous monitoring so that you are always kept updated if there are improved choices for you.



**Analysing Your Spending Habits**

The first step is to determine your monthly expenses across different categories such as:
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- E-commerce
- Contactless
- Dining
- Overseas spending
- General Spend

This information helps us gain insight into your spending patterns and identify the most suitable group 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 collection of credit cards to estimate the potential rewards you could earn from various credit cards, considering factors like earning ratios, caps, and exclusions.

We maintain an updated database of credit card offers from all major banks and financial institutions in Singapore, including air miles and rebate options as well as Welcome Incentives.

We also suggest 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 credit card terms can change over time, our platform keeps track of its recommendations based on your expenses and alerts you of changes to your selection to maximize your benefit accrual. This proactive method ensures you always have the ideal set of cards to gain the most advantages.

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