How to Choose the Top Credit Cards for Your Spending Habits

How to Choose the Top Credit Cards for Your Spending Habits

Blog Article

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

Understanding the credit card perks landscape can be daunting with so many selections 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 continuous monitoring so that you are always aware if there are more suitable options for you.



**Understanding Your Spending Habits**

The first step is to understand your monthly expenses across different categories such as:
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- Online
- Contactless
- Restaurant spending
- Overseas spending
- Miscellaneous expenses

This information helps us gain insight into your spending patterns and determine the best set of credit cards based on your spend.

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**Personalized Credit Card Recommendations**

Next, our AI-driven platform compares your spending patterns with our repository of credit cards to estimate the potential rewards you could earn from various credit cards, considering factors like incentive percentages, caps, and exclusions.

We keep a current repository of credit card offers from all leading banks and providers in Singapore, including miles and cashback cards as well as Sign-up Bonuses.

We also suggest options for further optimization such as only filtering cards by banks 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 regularly refreshes its recommendations based on your expenses and notifies you of changes to optimize your setup to boost your benefit accrual. This adaptable process ensures you always have the ideal set of cards to maximize your rewards and benefits.

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