Tips for Choosing the Top Credit Cards for Your Needs

Tips for Choosing the Top Credit Cards for Your Needs

Blog Article

Steps to Select the Top Credit Cards for Your Lifestyle

Exploring the credit card perks arena can be daunting with so many selections 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 aware if there are more suitable options for you.



**Analysing Your Spending Habits**

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

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

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**Personalized 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 incentive percentages, caps, and exclusions.

We keep a current repository of credit card offers from all major banks and financial institutions in Singapore, including miles and cashback cards as well as Enrollment Offers.

We also suggest 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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**Continuous Monitoring and Recommendations**

Since offers and conditions can change over time, our platform continuously updates its recommendations based on your spending and notifies you of changes needed in your card portfolio to maximize your rewards collection. This proactive method ensures you always have the best credit card portfolio to gain the most advantages.

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