Steps to Select the Most Suitable Credit Cards for Your Spending Habits

Steps to Select the Most Suitable Credit Cards for Your Spending Habits

Blog Article

How to Choose the Most Suitable Credit Cards for Your Lifestyle

Navigating the credit card benefits options can be confusing with so many selections available, each offering different offers, benefits, and advantages. We've optimized the process to help you get started in less than 5 minutes, with perpetual monitoring so that you are always kept updated if there are improved choices for you.



**Understanding Your Spending Habits**

The first step is to determine your monthly expenses across different categories such as:
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- Online
- Wireless transactions
- Dining
- International payments
- Miscellaneous expenses

This information helps us better understand your spending patterns and recommend the best set 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 repository of credit cards to calculate the potential rewards you could earn from various credit cards, considering factors like earning ratios, caps, and exclusions.

We maintain an updated database of credit card offers from all key financial players in Singapore, including air miles and rebate options as well as Welcome Incentives.

We also provide options for further optimization such as only filtering cards by banks or cards with no required first-year annual fee.

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**Dynamic Tracking and Advice**

Since credit card terms can change over time, our platform continuously updates its recommendations based on your expenses and notifies you of changes to your selection to enhance your rewards collection. This adaptable process ensures you always have the ideal set of cards to achieve the highest returns.

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