How to Choose the Top Credit Cards for Your Needs

Wiki Article

Tips for Choosing the Most Suitable Credit Cards for Your Needs

Navigating the credit card rewards arena can be daunting with so many alternatives available, each offering different rewards, incentives, and perks. We've optimized the process to make it easier to start in less than 5 minutes, with perpetual monitoring so that you are always aware if there are better cards available for you.



**Evaluating Your Spending Habits**

The first step is to understand your monthly expenses across different categories such as:
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- Online
- Contactless
- Dining
- Foreign Currency Spend
- Miscellaneous expenses

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

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**Custom 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 incentive percentages, caps, and exclusions.

We keep a current repository 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 offer 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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**Ongoing Updates and Suggestions**

Since offers and conditions can change over time, our platform keeps track of its recommendations based on your usage patterns and alerts you of changes to optimize your setup to boost your rewards collection. This proactive method ensures you always have the optimal selection to gain the most advantages.

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