Tips for Choosing the Top Credit Cards for Your Needs

Tips for Choosing the Top Credit Cards for Your Needs

Blog Article

How to Choose the Top Credit Cards for Your Spending Habits

Understanding the credit card perks landscape can be daunting with so many alternatives available, each offering different offers, benefits, and advantages. We've optimized the process to make it easier to start in less than 5 minutes, with continuous monitoring so that you are always kept updated if there are better cards available 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
- Other expenditures

This information helps us better understand your spending patterns and determine 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 repository of credit cards to estimate 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 key financial players in Singapore, including air miles and rebate options as well as Sign-up Bonuses.

We also provide 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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**Continuous Monitoring and Recommendations**

Since card benefits can change over time, our platform regularly refreshes its recommendations based on your spending and notifies you of changes needed in your card portfolio to enhance your miles earned. This proactive method ensures you always have the best credit card portfolio to gain the most advantages.

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