How to Choose the Top Credit Cards for Your Spending Habits

How to Choose the Top Credit Cards for Your Spending Habits

Blog Article

Steps to Select the Top Credit Cards for Your Spending Habits

Understanding the credit card rewards arena can be daunting with so many alternatives available, each offering different offers, benefits, and advantages. We've optimized the process to make it easier to start in less than 5 minutes, with ongoing monitoring so that you are always informed if there are more suitable options for you.



**Analysing Your Spending Habits**

The first step is to determine your monthly expenses across different categories such as:
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- Online
- Tap-and-go
- Food and beverage expenses
- Foreign Currency Spend
- Other expenditures

This information helps us better understand 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 AI-driven platform compares your spending patterns with our collection of credit cards to evaluate 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 leading banks and providers in Singapore, including air miles and rebate options as well as Sign-up Bonuses.

We also suggest options for further optimization such as only filtering cards by banks or no-fee options for the first year.

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**Dynamic Tracking and Advice**

Since card benefits can change over time, our platform continuously updates its recommendations based on your usage patterns and informs you of changes to your selection to enhance your benefit accrual. This dynamic approach ensures you always have the optimal selection to achieve the highest returns.

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