Steps to Select the Best Credit Cards for Your Spending Habits

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How to Choose the Best Credit Cards for Your Lifestyle

Understanding the credit card perks options can be overwhelming with so many alternatives available, each offering different offers, benefits, and advantages. We've optimized the process to assist you in beginning in less than 5 minutes, with perpetual monitoring so that you are always aware 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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- E-commerce
- Contactless
- Restaurant spending
- International payments
- Other expenditures

This information helps us better understand your spending patterns and determine the best set of credit cards based on your spend.

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**Personalized Credit Card Recommendations**

Next, our artificial intelligence system compares your spending patterns with our database of credit cards to estimate 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 focusing on select bank offerings 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 boost your miles earned. This adaptable process ensures you always have the best credit card portfolio to achieve the highest returns.

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