Steps to Select the Best Credit Cards for Your Needs

Steps to Select the Best Credit Cards for Your Needs

Blog Article

How to Choose the Top Credit Cards for Your Spending Habits

Navigating the credit card benefits options can be confusing with so many alternatives 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 ongoing monitoring so that you are always kept updated if there are better cards available for you.



**Analysing 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 recommend the most suitable group 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 collection of credit cards to calculate the potential rewards you could earn from various credit cards, considering factors like earning ratios, caps, and exclusions.

We ensure our database is current of credit card offers from all key financial players in Singapore, including reward and discount cards as well as Enrollment Offers.

We also suggest options for further optimization such as only filtering cards by banks 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 regularly refreshes its recommendations based on your expenses and alerts you of changes needed in your card portfolio to maximize your miles earned. This dynamic approach ensures you always have the ideal set of cards to achieve the highest returns.

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