Steps to Select the Best Credit Cards for Your Spending Habits

Steps to Select the Best Credit Cards for Your Spending Habits

Blog Article

How to Choose the Top Credit Cards for Your Lifestyle

Exploring the credit card rewards arena can be confusing with so many selections available, each offering different offers, benefits, and advantages. We have streamlined the process to help you get started in less than 5 minutes, with perpetual monitoring so that you are always aware if there are more suitable options 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
- Dining
- Overseas spending
- Other expenditures

This information helps us identify your spending patterns and determine the most suitable group 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 database of credit cards to estimate the potential rewards you could earn from various credit cards, considering factors like reward rates, caps, and exclusions.

We ensure our database is current 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 filtering cards by banks or cards with no required first-year annual fee.

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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 benefit accrual. This proactive method ensures you always have the best credit card portfolio to achieve the highest returns.

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