Tips for Choosing the Most Suitable Credit Cards for Your Spending Habits
Tips for Choosing the Most Suitable Credit Cards for Your Spending Habits
Blog Article
How to Choose the Best Credit Cards for Your Spending Habits
Exploring the credit card rewards arena can be confusing with so many selections available, each offering different rewards, incentives, and perks. We have streamlined the process to make it easier to start in less than 5 minutes, with perpetual monitoring so that you are always kept updated if there are improved choices for you.
**Analysing Your Spending Habits**
The first step is to analyze your monthly expenses across different categories such as:
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- Digital payments
- Tap-and-go
- Dining
- International payments
- Miscellaneous expenses
This information helps us better understand your spending patterns and identify the optimal collection of credit cards based on your spend.
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**Personalized Credit Card Recommendations**
Next, our automated tool compares your spending patterns with our collection of credit cards to calculate the potential rewards you could earn from various credit cards, considering factors like earning ratios, caps, and exclusions.
We ensure our database is current of credit card offers from all leading banks and providers in Singapore, including air miles and rebate options as well as Welcome Incentives.
We also provide options for further optimization such as only focusing on select bank offerings or fee-waived cards initially.
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**Continuous Monitoring and Recommendations**
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 boost your benefit accrual. This adaptable process ensures you always have the ideal set of cards to achieve the highest returns.
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