How to Choose the Best Credit Cards for Your Lifestyle

How to Choose the Best Credit Cards for Your Lifestyle

Blog Article

How to Choose the Top Credit Cards for Your Spending Habits

Understanding the credit card benefits options can be confusing with so many selections available, each offering different miles, cashback, and bonuses. Our system simplifies the process to assist you in beginning in less than 5 minutes, with continuous monitoring so that you are always informed if there are more suitable options for you.



**Evaluating 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
- Foreign Currency Spend
- Other expenditures

This information helps us gain insight into 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 repository of credit cards to estimate the potential rewards you could earn from various credit cards, considering factors like reward rates, 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 suggest options for further optimization such as only focusing on select bank offerings 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 to your selection to enhance your benefit accrual. This proactive method ensures you always have the best credit card portfolio to achieve the highest returns.

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