Tips for Choosing the Most Suitable Credit Cards for Your Needs
Tips for Choosing the Most Suitable Credit Cards for Your Needs
Blog Article
How to Choose the Most Suitable Credit Cards for Your Lifestyle
Understanding the credit card perks landscape can be daunting with so many choices available, each offering different offers, benefits, and advantages. Our system simplifies 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 better cards available for you.
**Analysing Your Spending Habits**
The first step is to understand your monthly expenses across different categories such as:
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- Digital payments
- Tap-and-go
- Dining
- Foreign Currency Spend
- General Spend
This information helps us identify your spending patterns and determine the best set 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 database of credit cards to evaluate the potential rewards you could earn from various credit cards, considering factors like reward rates, caps, and exclusions.
We maintain an updated database of credit card offers from all leading banks and providers in Singapore, including reward and discount cards as well as Welcome Incentives.
We also provide options for further optimization such as only looking at cards from specific banks or fee-waived cards initially.
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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 enhance your rewards collection. This dynamic approach ensures you always have the best credit card portfolio to achieve the highest returns.
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