Steps to Select the Best Credit Cards for Your Spending Habits

Steps to Select the Best Credit Cards for Your Spending Habits

Blog Article

How to Choose the Top Credit Cards for Your Needs

Understanding the credit card rewards arena can be daunting with so many alternatives 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 aware if there are more suitable options for you.



**Analysing Your Spending Habits**

The first step is to analyze your monthly expenses across different categories such as:
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- Online
- Tap-and-go
- Restaurant spending
- Overseas spending
- Other expenditures

This information helps us identify your spending patterns and recommend the most suitable group 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 evaluate 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 reward and discount cards as well as Welcome Incentives.

We also offer options for further optimization such as only looking at cards from specific banks or cards with no required first-year annual fee.

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**Ongoing Updates and Suggestions**

Since credit card terms can change over time, our platform regularly refreshes its recommendations based on your expenses and notifies you of changes to optimize your setup to boost your benefit accrual. This dynamic approach ensures you always have the best credit card portfolio to gain the most advantages.

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