How to Choose the Most Suitable Credit Cards for Your Needs

How to Choose the Most Suitable Credit Cards for Your Needs

Blog Article

Steps to Select the Best Credit Cards for Your Spending Habits

Understanding the credit card benefits landscape can be overwhelming with so many alternatives available, each offering different offers, benefits, and advantages. We've optimized the process to make it easier to start in less than 5 minutes, with ongoing monitoring so that you are always aware if there are improved choices for you.



**Analysing Your Spending Habits**

The first step is to understand your monthly expenses across different categories such as:
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- Online
- Tap-and-go
- Dining
- Overseas spending
- Other expenditures

This information helps us better understand your spending patterns and recommend the most suitable group of credit cards based on your spend.

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**Custom Credit Card Recommendations**

Next, our AI-driven platform compares your spending patterns with our database of credit cards to evaluate 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 provide options for further optimization such as only focusing on select bank offerings or fee-waived cards initially.

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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 expenses and alerts you of changes needed in your card portfolio to boost your miles earned. This proactive method ensures you always have the optimal selection to achieve the highest returns.

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