Steps to Select the Most Suitable Credit Cards for Your Needs

Steps to Select the Most Suitable Credit Cards for Your Needs

Blog Article

Tips for Choosing the Best Credit Cards for Your Lifestyle

Exploring the credit card benefits arena can be confusing with so many choices available, each offering different miles, cashback, and bonuses. We've optimized the process to make it easier to start in less than 5 minutes, with ongoing monitoring so that you are always kept updated if there are better cards available for you.



**Evaluating Your Spending Habits**

The first step is to understand your monthly expenses across different categories such as:
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- Digital payments
- Tap-and-go
- Restaurant spending
- International payments
- General Spend

This information helps us gain insight into your spending patterns and identify the most suitable group of credit cards based on your spend.

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**Personalized Credit Card Recommendations**

Next, our artificial intelligence system compares your spending patterns with our repository of credit cards to estimate the potential rewards you could earn from various credit cards, considering factors like reward rates, caps, and exclusions.

We keep a current repository of credit card offers from all leading banks and providers in Singapore, including reward and discount cards as well as Welcome Incentives.

We also suggest options for further optimization such as only filtering cards by banks or fee-waived cards initially.

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**Ongoing Updates and Suggestions**

Since card benefits can change over time, our platform regularly refreshes its recommendations based on your usage patterns and notifies you of changes to optimize your setup to maximize your rewards collection. This dynamic approach ensures you always have the optimal selection to achieve the highest returns.

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