Steps to Select the Best Credit Cards for Your Lifestyle

Steps to Select the Best Credit Cards for Your Lifestyle

Blog Article

How to Choose the Top Credit Cards for Your Spending Habits

Navigating the credit card benefits arena can be daunting with so many choices available, each offering different rewards, incentives, and perks. Our system simplifies the process to make it easier to start in less than 5 minutes, with ongoing monitoring so that you are always kept updated 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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- E-commerce
- Tap-and-go
- Dining
- International payments
- Other expenditures

This information helps us gain insight into your spending patterns and determine the most suitable group of credit cards based on your spend.

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**Tailored Credit Card Recommendations**

Next, our AI-driven platform 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 earning ratios, caps, and exclusions.

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

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 card benefits can change over time, our platform keeps track of its recommendations based on your spending and informs you of changes to your selection 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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