Steps to Select the Best Credit Cards for Your Spending Habits

Steps to Select the Best Credit Cards for Your Spending Habits

Blog Article

Tips for Choosing the Top Credit Cards for Your Spending Habits

Navigating the credit card benefits arena can be overwhelming with so many choices available, each offering different rewards, incentives, and perks. We've optimized the process to help you get started in less than 5 minutes, with continuous 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
- Dining
- 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 database of credit cards to estimate 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 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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**Dynamic Tracking and Advice**

Since offers and conditions 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 adaptable process ensures you always have the best credit card portfolio to maximize your rewards and benefits.

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