Steps to Select the Top Credit Cards for Your Lifestyle

Steps to Select the Top Credit Cards for Your Lifestyle

Blog Article

Steps to Select the Best Credit Cards for Your Spending Habits

Exploring the credit card rewards arena can be overwhelming with so many alternatives available, each offering different rewards, incentives, and perks. We have streamlined the process to make it easier to start in less than 5 minutes, with perpetual monitoring so that you are always informed if there are improved choices for you.



**Evaluating Your Spending Habits**

The first step is to determine your monthly expenses across different categories such as:
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- Digital payments
- Tap-and-go
- Restaurant spending
- International payments
- Other expenditures

This information helps us identify your spending patterns and recommend 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 calculate the potential rewards you could earn from various credit cards, considering factors like reward rates, caps, and exclusions.

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

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

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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 notifies you of changes needed in your card portfolio to enhance your benefit accrual. This dynamic approach ensures you always have the ideal set of cards to gain the most advantages.

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