How to Choose the Top Credit Cards for Your Needs

How to Choose the Top Credit Cards for Your Needs

Blog Article

How to Choose the Most Suitable Credit Cards for Your Lifestyle

Navigating the credit card rewards arena can be daunting with so many selections available, each offering different offers, benefits, and advantages. We've optimized the process to help you get started in less than 5 minutes, with ongoing monitoring so that you are always kept updated if there are improved choices for you.



**Evaluating Your Spending Habits**

The first step is to understand your monthly expenses across different categories such as:
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- Online
- Contactless
- Food and beverage expenses
- International payments
- Miscellaneous expenses

This information helps us better understand your spending patterns and identify the optimal collection 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 database of credit cards to evaluate 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 key financial players in Singapore, including air miles and rebate options as well as Welcome Incentives.

We also suggest options for further optimization such as only looking at cards from specific banks or no-fee options for the first year.

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**Continuous Monitoring and Recommendations**

Since card benefits can change over time, our platform regularly refreshes its recommendations based on your usage patterns and informs you of changes to optimize your setup to boost your miles earned. This proactive method ensures you always have the best credit card portfolio to achieve the highest returns.

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