How to Choose the Best Credit Cards for Your Spending Habits

How to Choose the Best Credit Cards for Your Spending Habits

Blog Article

Steps to Select the Most Suitable Credit Cards for Your Spending Habits

Exploring the credit card benefits landscape can be daunting with so many selections available, each offering different rewards, incentives, and perks. Our system simplifies the process to help you get started 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 understand your monthly expenses across different categories such as:
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- Online
- Tap-and-go
- Restaurant spending
- Foreign Currency Spend
- Miscellaneous expenses

This information helps us better understand your spending patterns and recommend the best set 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 repository of credit cards to calculate the potential rewards you could earn from various credit cards, considering factors like reward rates, caps, and exclusions.

We keep a current repository of credit card offers from all key financial players 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 fee-waived cards initially.

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**Dynamic Tracking and Advice**

Since offers and conditions can change over time, our platform regularly refreshes its recommendations based on your spending and alerts you of changes to your selection to maximize your rewards collection. This dynamic approach ensures you always have the ideal set of cards to achieve the highest returns.

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