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

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

Blog Article

Tips for Choosing the Top Credit Cards for Your Needs

Exploring 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 improved choices 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
- Contactless
- Restaurant spending
- International payments
- General Spend

This information helps us gain insight into your spending patterns and determine the optimal collection 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 database of credit cards to calculate 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 major banks and financial institutions in Singapore, including miles and cashback cards as well as Sign-up Bonuses.

We also offer options for further optimization such as only focusing on select bank offerings 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 alerts you of changes needed in your card portfolio to maximize your rewards collection. This adaptable process ensures you always have the ideal set of cards to gain the most advantages.

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