Steps to Select the Best Credit Cards for Your Lifestyle

Steps to Select the Best Credit Cards for Your Lifestyle

Blog Article

Tips for Choosing the Best Credit Cards for Your Needs

Exploring the credit card benefits options can be confusing with so many choices available, each offering different rewards, incentives, and perks. Our system simplifies the process to assist you in beginning in less than 5 minutes, with perpetual monitoring so that you are always kept updated if there are better cards available for you.



**Understanding 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
- Foreign Currency Spend
- Miscellaneous expenses

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

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**Custom Credit Card Recommendations**

Next, our automated tool 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 earning ratios, caps, and exclusions.

We ensure our database is current of credit card offers from all leading banks and providers in Singapore, including reward and discount cards as well as Welcome Incentives.

We also provide options for further optimization such as only looking at cards from specific banks or no-fee options for the first year.

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**Continuous Monitoring and Recommendations**

Since card benefits can change over time, our platform regularly refreshes its recommendations based on your spending and alerts you of changes needed in your card portfolio to boost your rewards collection. This dynamic approach ensures you always have the ideal set of cards to gain the most advantages.

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