How to Choose the Top Credit Cards for Your Needs

Wiki Article

Tips for Choosing the Best Credit Cards for Your Needs

Understanding the credit card rewards options can be confusing with so many alternatives available, each offering different miles, cashback, and bonuses. Our system simplifies the process to make it easier to start in less than 5 minutes, with ongoing monitoring so that you are always aware if there are improved choices for you.



**Analysing Your Spending Habits**

The first step is to understand your monthly expenses across different categories such as:
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- E-commerce
- Tap-and-go
- Restaurant spending
- Foreign Currency Spend
- General Spend

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

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**Custom 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 keep a current repository of credit card offers from all major banks and financial institutions in Singapore, including reward and discount cards as well as Enrollment Offers.

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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**Dynamic Tracking and Advice**

Since offers and conditions can change over time, our platform keeps track of its recommendations based on your spending and informs you of changes to your selection to boost your miles earned. This proactive method ensures you always have the optimal selection to achieve the highest returns.

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