Steps to Select the Top Credit Cards for Your Needs

Steps to Select the Top Credit Cards for Your Needs

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Steps to Select the Best Credit Cards for Your Needs

Understanding the credit card rewards options can be daunting with so many alternatives available, each offering different rewards, incentives, and perks. We've optimized the process to help you get started in less than 5 minutes, with perpetual monitoring so that you are always informed if there are more suitable options for you.



**Understanding Your Spending Habits**

The first step is to determine your monthly expenses across different categories such as:
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- E-commerce
- Tap-and-go
- Restaurant spending
- Foreign Currency Spend
- Other expenditures

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 estimate the potential rewards you could earn from various credit cards, considering factors like earning ratios, caps, and exclusions.

We keep a current repository of credit card offers from all major banks and financial institutions in Singapore, including reward and discount cards as well as Enrollment Offers.

We also provide options for further optimization such as only filtering cards by banks or no-fee options for the first year.

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**Continuous Monitoring and Recommendations**

Since offers and conditions can change over time, our platform regularly refreshes its recommendations based on your usage patterns and informs you of changes to your selection to boost your benefit accrual. This dynamic approach ensures you always have the best credit card portfolio to gain the most advantages.

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