Steps to Select the Best Credit Cards for Your Needs

Steps to Select the Best Credit Cards for Your Needs

Blog Article

How to Choose the Best Credit Cards for Your Spending Habits

Exploring the credit card rewards options can be daunting with so many choices available, each offering different miles, cashback, and bonuses. Our system simplifies the process to help you get started in less than 5 minutes, with continuous 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
- Wireless transactions
- Restaurant spending
- Foreign Currency Spend
- Miscellaneous expenses

This information helps us better understand your spending patterns and recommend the most suitable group of credit cards based on your spend.

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**Personalized 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 earning ratios, caps, and exclusions.

We maintain an updated database of credit card offers from all leading banks and providers in Singapore, including miles and cashback cards as well as Sign-up Bonuses.

We also provide options for further optimization such as only focusing on select bank offerings or fee-waived cards initially.

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**Ongoing Updates and Suggestions**

Since card benefits can change over time, our platform continuously updates its recommendations based on your expenses and alerts you of changes needed in your card portfolio to enhance your rewards collection. This dynamic approach ensures you always have the optimal selection to achieve the highest returns.

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