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 Best Credit Cards for Your Lifestyle

Understanding the credit card perks arena can be confusing with so many choices available, each offering different rewards, incentives, and perks. We have streamlined the process to help you get started in less than 5 minutes, with perpetual monitoring so that you are always aware 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
- International payments
- General Spend

This information helps us identify 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 AI-driven platform 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 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 air miles and rebate options as well as Welcome Incentives.

We also provide options for further optimization such as only focusing on select bank offerings or cards with no required first-year annual fee.

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**Continuous Monitoring and Recommendations**

Since credit card terms can change over time, our platform continuously updates its recommendations based on your spending and informs you of changes needed in your card portfolio to maximize your miles earned. This dynamic approach ensures you always have the best credit card portfolio to maximize your rewards and benefits.

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