Tips for Choosing the Best Credit Cards for Your Needs

Tips for Choosing the Best Credit Cards for Your Needs

Blog Article

Steps to Select the Most Suitable Credit Cards for Your Lifestyle

Navigating the credit card rewards arena can be overwhelming with so many choices available, each offering different miles, cashback, and bonuses. We've optimized the process to help you get started in less than 5 minutes, with perpetual monitoring so that you are always kept updated if there are more suitable options for you.



**Evaluating Your Spending Habits**

The first step is to analyze 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 identify your spending patterns and identify the most suitable group of credit cards based on your spend.

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**Personalized Credit Card Recommendations**

Next, our AI-driven platform 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 earning ratios, caps, and exclusions.

We maintain an updated database of credit card offers from all major banks and financial institutions in Singapore, including air miles and rebate options as well as Enrollment Offers.

We also offer 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 card benefits can change over time, our platform continuously updates its recommendations based on your spending and notifies you of changes to optimize your setup to boost your benefit accrual. This adaptable process ensures you always have the best credit card portfolio to achieve the highest returns.

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