Tips for Choosing the Top Credit Cards for Your Spending Habits

Tips for Choosing the Top Credit Cards for Your Spending Habits

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Tips for Choosing the Most Suitable Credit Cards for Your Needs

Understanding the credit card rewards options can be daunting with so many alternatives 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 better cards available for you.



**Evaluating Your Spending Habits**

The first step is to analyze your monthly expenses across different categories such as:
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- Online
- Tap-and-go
- Food and beverage expenses
- International payments
- Other expenditures

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 automated tool compares your spending patterns with our database of credit cards to calculate the potential rewards you could earn from various credit cards, considering factors like incentive percentages, caps, and exclusions.

We ensure our database is current of credit card offers from all major banks and financial institutions in Singapore, including air miles and rebate options as well as Enrollment Offers.

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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**Continuous Monitoring and Recommendations**

Since credit card terms can change over time, our platform regularly refreshes its recommendations based on your usage patterns and alerts you of changes needed in your card portfolio to maximize your miles earned. This dynamic approach ensures you always have the best credit card portfolio to gain the most advantages.

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