How to Choose the Best Credit Cards for Your Needs

How to Choose the Best Credit Cards for Your Needs

Blog Article

Steps to Select the Top Credit Cards for Your Needs

Exploring the credit card benefits landscape can be overwhelming with so many choices available, each offering different miles, cashback, and bonuses. We have streamlined the process to assist you in beginning in less than 5 minutes, with continuous monitoring so that you are always kept updated if there are better cards available for you.



**Analysing Your Spending Habits**

The first step is to determine your monthly expenses across different categories such as:
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- E-commerce
- Contactless
- Food and beverage expenses
- Overseas spending
- General Spend

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

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**Personalized Credit Card Recommendations**

Next, our automated tool compares your spending patterns with our database of credit cards to evaluate 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 major banks and financial institutions in Singapore, including reward and discount cards as well as Sign-up Bonuses.

We also offer options for further optimization such as only looking at cards from specific banks or no-fee options for the first year.

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**Continuous Monitoring and Recommendations**

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 best credit card portfolio to maximize your rewards and benefits.

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