Steps to Select the Most Suitable Credit Cards for Your Spending Habits

Steps to Select the Most Suitable Credit Cards for Your Spending Habits

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Steps to Select the Best Credit Cards for Your Lifestyle

Navigating the credit card benefits landscape can be daunting with so many selections available, each offering different miles, cashback, and bonuses. We have streamlined the process to help you get started in less than 5 minutes, with ongoing monitoring so that you are always informed if there are more suitable options for you.



**Analysing Your Spending Habits**

The first step is to determine your monthly expenses across different categories such as:
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- Digital payments
- Wireless transactions
- Dining
- Overseas spending
- Miscellaneous expenses

This information helps us identify your spending patterns and determine the optimal collection of credit cards based on your spend.

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**Tailored Credit Card Recommendations**

Next, our automated tool compares your spending patterns with our repository of credit cards to calculate 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 leading banks and providers in Singapore, including reward and discount cards as well as Welcome Incentives.

We also provide options for further optimization such as only looking at cards from specific banks or no-fee options for the first year.

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**Ongoing Updates and Suggestions**

Since credit card terms can change over time, our platform keeps track of its recommendations based on your expenses and informs you of changes to optimize your setup to maximize your benefit accrual. This dynamic approach ensures you always have the ideal set of cards to gain the most advantages.

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