Steps to Select the Most Suitable Credit Cards for Your Spending Habits

Steps to Select the Most Suitable Credit Cards for Your Spending Habits

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How to Choose the Most Suitable Credit Cards for Your Needs

Navigating the credit card benefits options can be overwhelming with so many choices available, each offering different rewards, incentives, and perks. Our system simplifies the process to make it easier to start in less than 5 minutes, with continuous monitoring so that you are always informed if there are improved choices for you.



**Evaluating Your Spending Habits**

The first step is to determine your monthly expenses across different categories such as:
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- E-commerce
- Contactless
- Dining
- International payments
- Miscellaneous expenses

This information helps us gain insight into your spending patterns and determine the best set of credit cards based on your spend.

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**Custom Credit Card Recommendations**

Next, our artificial intelligence system 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 reward rates, caps, and exclusions.

We ensure our database is current of credit card offers from all major banks and financial institutions 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 offers and conditions 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 benefit accrual. This dynamic approach ensures you always have the optimal selection to gain the most advantages.

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