Tips for Choosing the Best Credit Cards for Your Needs

Tips for Choosing the Best Credit Cards for Your Needs

Blog Article

How to Choose the Best Credit Cards for Your Spending Habits

Exploring the credit card rewards options can be daunting with so many choices available, each offering different offers, benefits, and advantages. We've optimized the process to assist you in beginning in less than 5 minutes, with ongoing monitoring so that you are always aware if there are better cards available for you.



**Analysing Your Spending Habits**

The first step is to understand your monthly expenses across different categories such as:
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- Online
- Contactless
- Food and beverage expenses
- Overseas spending
- 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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**Tailored Credit Card Recommendations**

Next, our artificial intelligence system 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 reward rates, caps, and exclusions.

We keep a current repository of credit card offers from all major banks and financial institutions 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 cards with no required first-year annual fee.

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**Ongoing Updates and Suggestions**

Since credit card terms can change over time, our platform continuously updates its recommendations based on your usage patterns and notifies you of changes to your selection to maximize your benefit accrual. This proactive method ensures you always have the best credit card portfolio to achieve the highest returns.

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