Tips for Choosing the Best Credit Cards for Your Needs

Tips for Choosing the Best Credit Cards for Your Needs

Blog Article

Steps to Select the Best Credit Cards for Your Spending Habits

Exploring the credit card perks landscape can be overwhelming with so many choices available, each offering different rewards, incentives, and perks. We've optimized the process to make it easier to start in less than 5 minutes, with perpetual monitoring so that you are always kept updated if there are better cards available for you.



**Evaluating Your Spending Habits**

The first step is to analyze your monthly expenses across different categories such as:
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- Digital payments
- Contactless
- Food and beverage expenses
- International payments
- Miscellaneous expenses

This information helps us better understand your spending patterns and identify the most suitable group of credit cards based on your spend.

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**Tailored Credit Card Recommendations**

Next, our AI-driven platform 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 reward rates, caps, and exclusions.

We keep a current repository of credit card offers from all key financial players in Singapore, including reward and discount 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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**Continuous Monitoring and Recommendations**

Since card benefits can change over time, our platform keeps track of its recommendations based on your usage patterns and alerts you of changes needed in your card portfolio to maximize your miles earned. This dynamic approach ensures you always have the optimal selection to gain the most advantages.

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