Tips for Choosing the Top Credit Cards for Your Needs

Wiki Article

Steps to Select the Most Suitable Credit Cards for Your Spending Habits

Exploring the credit card benefits landscape can be daunting with so many choices available, each offering different rewards, incentives, and perks. Our system simplifies the process to help you get started in less than 5 minutes, with continuous monitoring so that you are always informed if there are more suitable options for you.



**Understanding Your Spending Habits**

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

This information helps us identify your spending patterns and identify the optimal collection of credit cards based on your spend.

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**Tailored Credit Card Recommendations**

Next, our artificial intelligence system compares your spending patterns with our database of credit cards to calculate the potential rewards you could earn from various credit cards, considering factors like reward rates, caps, and exclusions.

We ensure our database is current of credit card offers from all leading banks and providers in Singapore, including air miles and rebate options 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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**Ongoing Updates and Suggestions**

Since card benefits 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 maximize your rewards collection. This adaptable process ensures you always have the best credit card portfolio to gain the most advantages.

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