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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How to Choose the Most Suitable Credit Cards for Your Spending Habits

Navigating the credit card rewards options can be overwhelming with so many selections available, each offering different miles, cashback, and bonuses. We've optimized the process to assist you in beginning in less than 5 minutes, with perpetual monitoring so that you are always informed if there are improved choices for you.



**Evaluating 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
- Restaurant spending
- Overseas spending
- Other expenditures

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

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**Custom Credit Card Recommendations**

Next, our automated tool 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 incentive percentages, caps, and exclusions.

We keep a current repository of credit card offers from all leading banks and providers in Singapore, including air miles and rebate options as well as Enrollment Offers.

We also suggest options for further optimization such as only filtering cards by banks or fee-waived cards initially.

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**Ongoing Updates and Suggestions**

Since card benefits can change over time, our platform continuously updates its recommendations based on your expenses and notifies you of changes to optimize your setup to enhance your benefit accrual. This proactive method ensures you always have the optimal selection to achieve the highest returns.

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