How to Choose the Most Suitable Credit Cards for Your Needs

How to Choose the Most Suitable Credit Cards for Your Needs

Blog Article

Steps to Select the Best Credit Cards for Your Needs

Navigating the credit card benefits landscape can be daunting 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 continuous monitoring so that you are always aware 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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- Online
- Tap-and-go
- Food and beverage expenses
- International payments
- General Spend

This information helps us better understand 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 evaluate 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 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 fee-waived cards initially.

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**Dynamic Tracking and Advice**

Since offers and conditions can change over time, our platform keeps track of its recommendations based on your expenses and alerts you of changes needed in your card portfolio to boost your miles earned. This proactive method ensures you always have the best credit card portfolio to gain the most advantages.

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