Tips for Choosing the Top Credit Cards for Your Spending Habits

Tips for Choosing the Top Credit Cards for Your Spending Habits

Blog Article

How to Choose the Most Suitable Credit Cards for Your Needs

Navigating the credit card perks landscape can be daunting with so many choices available, each offering different offers, benefits, and advantages. Our system simplifies the process to help you get started in less than 5 minutes, with continuous monitoring so that you are always aware if there are better cards available for you.



**Evaluating Your Spending Habits**

The first step is to determine your monthly expenses across different categories such as:
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- E-commerce
- Contactless
- Dining
- Foreign Currency Spend
- General Spend

This information helps us better understand your spending patterns and identify the most suitable group 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 repository of credit cards to evaluate the potential rewards you could earn from various credit cards, considering factors like incentive percentages, caps, and exclusions.

We keep a current repository of credit card offers from all major banks and financial institutions in Singapore, including miles and cashback cards 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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**Ongoing Updates and Suggestions**

Since card benefits can change over time, our platform continuously updates its recommendations based on your spending and alerts you of changes to your selection to boost your rewards collection. This adaptable process ensures you always have the best credit card portfolio to achieve the highest returns.

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