How to Choose the Best Credit Cards for Your Spending Habits

How to Choose the Best Credit Cards for Your Spending Habits

Blog Article

How to Choose the Top Credit Cards for Your Lifestyle

Understanding the credit card benefits landscape can be daunting with so many selections available, each offering different rewards, incentives, and perks. We've optimized the process to help you get started in less than 5 minutes, with ongoing monitoring so that you are always informed if there are better cards available for you.



**Understanding Your Spending Habits**

The first step is to analyze your monthly expenses across different categories such as:
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- Online
- Contactless
- Dining
- Foreign Currency Spend
- General Spend

This information helps us identify your spending patterns and identify the optimal collection 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 repository of credit cards to calculate the potential rewards you could earn from various credit cards, considering factors like earning ratios, 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 provide options for further optimization such as only filtering cards by banks or no-fee options for the first year.

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**Dynamic Tracking and Advice**

Since credit card terms can change over time, our platform keeps track of its recommendations based on your expenses and alerts you of changes to your selection to maximize your rewards collection. This adaptable process ensures you always have the best credit card portfolio to achieve the highest returns.

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