How to Choose the Most Suitable Credit Cards for Your Spending Habits

How to Choose the Most Suitable Credit Cards for Your Spending Habits

Blog Article

Tips for Choosing the Top Credit Cards for Your Lifestyle

Exploring the credit card perks arena can be overwhelming with so many choices available, each offering different offers, benefits, and advantages. Our system simplifies the process to make it easier to start in less than 5 minutes, with ongoing monitoring so that you are always kept updated if there are improved choices for you.



**Analysing Your Spending Habits**

The first step is to analyze your monthly expenses across different categories such as:
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- Digital payments
- Contactless
- Restaurant spending
- International payments
- Other expenditures

This information helps us identify your spending patterns and identify 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 reward rates, caps, and exclusions.

We ensure our database is current of credit card offers from all leading banks and providers in Singapore, including reward and discount cards as well as Welcome Incentives.

We also suggest options for further optimization such as only focusing on select bank offerings or fee-waived cards initially.

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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 informs you of changes needed in your card portfolio to maximize your miles earned. This adaptable process ensures you always have the optimal selection to maximize your rewards and benefits.

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