Tips for Choosing the Best Credit Cards for Your Spending Habits

Wiki Article

Steps to Select the Best Credit Cards for Your Needs

Exploring the credit card benefits landscape can be overwhelming with so many alternatives available, each offering different rewards, incentives, and perks. We have streamlined the process to help you get started in less than 5 minutes, with ongoing monitoring so that you are always informed if there are better cards available for you.



**Analysing Your Spending Habits**

The first step is to determine your monthly expenses across different categories such as:
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- E-commerce
- Contactless
- Restaurant spending
- Overseas spending
- Miscellaneous expenses

This information helps us better understand your spending patterns and recommend the optimal collection of credit cards based on your spend.

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**Custom Credit Card Recommendations**

Next, our AI-driven platform 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 incentive percentages, caps, and exclusions.

We maintain an updated database of credit card offers from all major banks and financial institutions in Singapore, including reward and discount cards as well as Welcome Incentives.

We also offer options for further optimization such as only focusing on select bank offerings or no-fee options for the first year.

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**Dynamic Tracking and Advice**

Since credit card terms can change over time, our platform regularly refreshes its recommendations based on your spending and alerts you of changes needed in your card portfolio to enhance your benefit accrual. This adaptable process ensures you always have the best credit card portfolio to maximize your rewards and benefits.

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