Steps to Select the Top Credit Cards for Your Spending Habits

Steps to Select the Top Credit Cards for Your Spending Habits

Blog Article

How to Choose the Top Credit Cards for Your Spending Habits

Understanding the credit card benefits arena can be confusing with so many choices available, each offering different rewards, incentives, and perks. We have streamlined the process to help you get started in less than 5 minutes, with perpetual monitoring so that you are always kept updated 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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- Digital payments
- Tap-and-go
- Food and beverage expenses
- Foreign Currency Spend
- General Spend

This information helps us better understand your spending patterns and recommend 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 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 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 looking at cards from specific banks or fee-waived cards initially.

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**Dynamic Tracking and Advice**

Since credit card terms can change over time, our platform continuously updates its recommendations based on your spending and notifies you of changes to optimize your setup to boost your miles earned. This proactive method ensures you always have the ideal set of cards to maximize your rewards and benefits.

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