How to Choose the Best Credit Cards for Your Spending Habits

How to Choose the Best Credit Cards for Your Spending Habits

Blog Article

Steps to Select the Best Credit Cards for Your Spending Habits

Navigating the credit card perks arena can be overwhelming with so many selections available, each offering different miles, cashback, and bonuses. Our system simplifies the process to make it easier to start in less than 5 minutes, with perpetual monitoring so that you are always informed if there are more suitable options for you.



**Understanding Your Spending Habits**

The first step is to understand your monthly expenses across different categories such as:
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- Online
- Contactless
- Food and beverage expenses
- International payments
- Other expenditures

This information helps us gain insight into your spending patterns and recommend the optimal collection of credit cards based on your spend.

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**Tailored Credit Card Recommendations**

Next, our artificial intelligence system compares your spending patterns with our collection of credit cards to evaluate 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 leading banks and providers in Singapore, including air miles and rebate options as well as Sign-up Bonuses.

We also suggest options for further optimization such as only focusing on select bank offerings or no-fee options for the first year.

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**Continuous Monitoring and Recommendations**

Since offers and conditions can change over time, our platform keeps track of its recommendations based on your spending and notifies you of changes to optimize your setup to maximize your rewards collection. This adaptable process ensures you always have the ideal set of cards to maximize your rewards and benefits.

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