How to Choose the Top Credit Cards for Your Spending Habits

How to Choose the Top Credit Cards for Your Spending Habits

Blog Article

Steps to Select the Best Credit Cards for Your Needs

Understanding the credit card benefits arena can be overwhelming with so many choices available, each offering different offers, benefits, and advantages. We have streamlined 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 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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- E-commerce
- Contactless
- Dining
- Foreign Currency Spend
- General Spend

This information helps us better understand your spending patterns and determine the best set of credit cards based on your spend.

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**Personalized Credit Card Recommendations**

Next, our automated tool compares your spending patterns with our repository of credit cards to evaluate the potential rewards you could earn from various credit cards, considering factors like incentive percentages, caps, and exclusions.

We keep a current repository of credit card offers from all major banks and financial institutions in Singapore, including miles and cashback cards as well as Welcome Incentives.

We also offer options for further optimization such as only focusing on select bank offerings or no-fee options for the first year.

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**Ongoing Updates and Suggestions**

Since card benefits can change over time, our platform continuously updates its recommendations based on your usage patterns and notifies you of changes needed in your card portfolio to enhance your miles earned. This adaptable process ensures you always have the optimal selection to maximize your rewards and benefits.

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