Steps to Select the Top Credit Cards for Your Needs

Steps to Select the Top Credit Cards for Your Needs

Blog Article

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

Navigating the credit card perks landscape can be daunting with so many alternatives available, each offering different miles, cashback, and bonuses. We've optimized the process to help you get started in less than 5 minutes, with continuous monitoring so that you are always aware if there are better cards available for you.



**Analysing Your Spending Habits**

The first step is to determine your monthly expenses across different categories such as:
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- Digital payments
- Tap-and-go
- Restaurant spending
- Foreign Currency Spend
- General Spend

This information helps us better understand your spending patterns and determine 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 database of credit cards to estimate 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 key financial players in Singapore, including miles and cashback cards as well as Welcome Incentives.

We also offer 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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**Ongoing Updates and Suggestions**

Since credit card terms can change over time, our platform continuously updates its recommendations based on your spending and informs you of changes needed in your card portfolio to boost your rewards collection. This dynamic approach ensures you always have the optimal selection to gain the most advantages.

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