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

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

Blog Article

Steps to Select the Most Suitable Credit Cards for Your Lifestyle

Exploring the credit card rewards landscape can be confusing with so many alternatives available, each offering different miles, cashback, and bonuses. Our system simplifies the process to assist you in beginning in less than 5 minutes, with continuous monitoring so that you are always informed 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:
Fixed vs. Floating UOB Housing Loan Rates: Which is Right for You in 2024?

- Online
- Wireless transactions
- Restaurant spending
- Foreign Currency Spend
- Other expenditures

This information helps us better understand your spending patterns and recommend the best set of credit cards based on your spend.

===

**Tailored Credit Card Recommendations**

Next, our automated tool compares your spending patterns with our collection of credit cards to estimate the potential rewards you could earn from various credit cards, considering factors like incentive percentages, caps, and exclusions.

We maintain an updated database of credit card offers from all leading banks and providers in Singapore, including miles and cashback cards as well as Enrollment Offers.

We also suggest options for further optimization such as only focusing on select bank offerings or fee-waived cards initially.

===
Nikko AM STI ETF vs SPY/VOO: Which ETF is Better for Young Singaporean Investors?

**Continuous Monitoring and Recommendations**

Since card benefits can change over time, our platform regularly refreshes its recommendations based on your spending and alerts you of changes to your selection to maximize your benefit accrual. This proactive method ensures you always have the best credit card portfolio to achieve the highest returns.

===