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 Best Credit Cards for Your Spending Habits

Navigating the credit card perks landscape can be confusing with so many alternatives available, each offering different rewards, incentives, and perks. We have streamlined the process to assist you in beginning in less than 5 minutes, with continuous monitoring so that you are always aware if there are better cards available for you.



**Evaluating Your Spending Habits**

The first step is to determine your monthly expenses across different categories such as:
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- Online
- Wireless transactions
- Restaurant spending
- Overseas spending
- General Spend

This information helps us identify your spending patterns and recommend the best set of credit cards based on your spend.

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**Custom Credit Card Recommendations**

Next, our artificial intelligence system 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 key financial players in Singapore, including air miles and rebate options 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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**Continuous Monitoring and Recommendations**

Since card benefits can change over time, our platform keeps track of its recommendations based on your usage patterns and notifies you of changes needed in your card portfolio to maximize your benefit accrual. This adaptable process ensures you always have the optimal selection to gain the most advantages.

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