Tips for Choosing the Best Credit Cards for Your Lifestyle

Tips for Choosing the Best Credit Cards for Your Lifestyle

Blog Article

How to Choose the Top Credit Cards for Your Lifestyle

Navigating the credit card benefits options can be confusing with so many alternatives available, each offering different miles, cashback, and bonuses. We have streamlined 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.



**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
- Food and beverage expenses
- Foreign Currency Spend
- Miscellaneous expenses

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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**Tailored Credit Card Recommendations**

Next, our automated tool compares your spending patterns with our repository 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 major banks and financial institutions in Singapore, including miles and cashback cards as well as Welcome Incentives.

We also suggest options for further optimization such as only looking at cards from specific banks or cards with no required first-year annual fee.

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**Ongoing Updates and Suggestions**

Since card benefits can change over time, our platform keeps track of its recommendations based on your spending and informs you of changes needed in your card portfolio to maximize your benefit accrual. This adaptable process ensures you always have the ideal set of cards to achieve the highest returns.

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