How to Choose the Best Credit Cards for Your Lifestyle

How to Choose the Best Credit Cards for Your Lifestyle

Blog Article

Steps to Select the Best Credit Cards for Your Spending Habits

Navigating the credit card perks options can be daunting with so many choices available, each offering different offers, benefits, and advantages. We have streamlined the process to make it easier to start in less than 5 minutes, with perpetual monitoring so that you are always informed if there are improved choices for you.



**Analysing Your Spending Habits**

The first step is to analyze your monthly expenses across different categories such as:
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- Digital payments
- Tap-and-go
- Restaurant spending
- Overseas spending
- Miscellaneous expenses

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

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**Tailored 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 reward rates, 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 credit card terms can change over time, our platform regularly refreshes its recommendations based on your usage patterns and informs you of changes to your selection to maximize your rewards collection. This proactive method ensures you always have the best credit card portfolio to maximize your rewards and benefits.

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