How to Choose the Top Credit Cards for Your Needs
How to Choose the Top Credit Cards for Your Needs
Blog Article
Steps to Select the Top Credit Cards for Your Spending Habits
Exploring 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 make it easier to start in less than 5 minutes, with continuous monitoring so that you are always aware if there are more suitable options for you.
**Analysing Your Spending Habits**
The first step is to analyze your monthly expenses across different categories such as:
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- E-commerce
- Contactless
- Food and beverage expenses
- Overseas spending
- General Spend
This information helps us gain insight into your spending patterns and determine the optimal collection 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 calculate the potential rewards you could earn from various credit cards, considering factors like incentive percentages, caps, and exclusions.
We maintain an updated database of credit card offers from all leading banks and providers in Singapore, including reward and discount cards as well as Sign-up Bonuses.
We also provide options for further optimization such as only focusing on select bank offerings or no-fee options for the first year.
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**Continuous Monitoring and Recommendations**
Since credit card terms can change over time, our platform continuously updates its recommendations based on your spending and alerts you of changes needed in your card portfolio to boost your benefit accrual. This proactive method ensures you always have the best credit card portfolio to maximize your rewards and benefits.
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