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 Most Suitable Credit Cards for Your Spending Habits

Navigating the credit card perks landscape 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 perpetual monitoring so that you are always kept updated if there are more suitable options 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
- Food and beverage expenses
- International payments
- Miscellaneous expenses

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

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**Custom Credit Card Recommendations**

Next, our artificial intelligence system 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 leading banks and providers in Singapore, including miles and cashback cards as well as Welcome Incentives.

We also suggest options for further optimization such as only focusing on select bank offerings or no-fee options for the first year.

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**Continuous Monitoring and Recommendations**

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 proactive method ensures you always have the optimal selection to achieve the highest returns.

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