Steps to Select the Best Credit Cards for Your Spending Habits
Steps to Select the Best Credit Cards for Your Spending Habits
Blog Article
How to Choose the Top Credit Cards for Your Lifestyle
Understanding the credit card benefits arena can be overwhelming with so many selections available, each offering different miles, cashback, and bonuses. We've optimized the process to help you get started in less than 5 minutes, with continuous monitoring so that you are always aware if there are improved choices for you.
**Understanding Your Spending Habits**
The first step is to understand your monthly expenses across different categories such as:
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- E-commerce
- Contactless
- Food and beverage expenses
- Foreign Currency Spend
- Other expenditures
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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**Tailored Credit Card Recommendations**
Next, our automated tool compares your spending patterns with our database of credit cards to calculate the potential rewards you could earn from various credit cards, considering factors like incentive percentages, caps, and exclusions.
We ensure our database is current of credit card offers from all major banks and financial institutions in Singapore, including air miles and rebate options as well as Welcome Incentives.
We also suggest options for further optimization such as only looking at cards from specific 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 regularly refreshes its recommendations based on your expenses and informs you of changes to optimize your setup to maximize your benefit accrual. This dynamic approach ensures you always have the ideal set of cards to gain the most advantages.
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