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

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

Blog Article

Steps to Select the Top Credit Cards for Your Needs

Navigating the credit card rewards arena can be confusing with so many choices available, each offering different miles, cashback, and bonuses. We've optimized the process to make it easier to start in less than 5 minutes, with perpetual monitoring so that you are always aware if there are better cards available for you.



**Understanding Your Spending Habits**

The first step is to analyze your monthly expenses across different categories such as:
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- Online
- Tap-and-go
- Food and beverage expenses
- International payments
- General Spend

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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**Tailored Credit Card Recommendations**

Next, our artificial intelligence system compares your spending patterns with our collection of credit cards to evaluate 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 key financial players in Singapore, including miles and cashback cards as well as Welcome Incentives.

We also suggest options for further optimization such as only filtering cards by banks or fee-waived cards initially.

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**Dynamic Tracking and Advice**

Since credit card terms can change over time, our platform keeps track of its recommendations based on your spending and alerts you of changes needed in your card portfolio to enhance your miles earned. This proactive method ensures you always have the ideal set of cards to gain the most advantages.

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