Steps to Select the Best Credit Cards for Your Needs

Steps to Select the Best Credit Cards for Your Needs

Blog Article

Tips for Choosing the Top Credit Cards for Your Spending Habits

Understanding the credit card benefits options can be confusing with so many alternatives 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 kept updated if there are better cards available for you.



**Analysing Your Spending Habits**

The first step is to determine your monthly expenses across different categories such as:
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- Online
- Wireless transactions
- Food and beverage expenses
- Foreign Currency Spend
- Miscellaneous expenses

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 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 ensure our database is current of credit card offers from all key financial players in Singapore, including reward and discount cards as well as Welcome Incentives.

We also suggest options for further optimization such as only filtering cards by banks or cards with no required first-year annual fee.

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**Dynamic Tracking and Advice**

Since card benefits can change over time, our platform continuously updates its recommendations based on your spending and notifies you of changes to your selection to boost your benefit accrual. This dynamic approach ensures you always have the best credit card portfolio to maximize your rewards and benefits.

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