Tips for Choosing the Most Suitable Credit Cards for Your Needs

Tips for Choosing the Most Suitable Credit Cards for Your Needs

Blog Article

How to Choose the Best Credit Cards for Your Spending Habits

Exploring the credit card benefits options can be confusing with so many choices available, each offering different rewards, incentives, and perks. Our system simplifies 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.



**Understanding 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
- Foreign Currency Spend
- Other expenditures

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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**Custom Credit Card Recommendations**

Next, our AI-driven platform compares your spending patterns with our collection of credit cards to estimate the potential rewards you could earn from various credit cards, considering factors like earning ratios, caps, and exclusions.

We maintain an updated database of credit card offers from all major banks and financial institutions in Singapore, including air miles and rebate options as well as Welcome Incentives.

We also suggest 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 offers and conditions can change over time, our platform continuously updates its recommendations based on your expenses and alerts you of changes needed in your card portfolio to enhance your rewards collection. This adaptable process ensures you always have the best credit card portfolio to gain the most advantages.

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