Steps to Select the Most Suitable Credit Cards for Your Spending Habits

Steps to Select the Most Suitable Credit Cards for Your Spending Habits

Blog Article

How to Choose the Best Credit Cards for Your Needs

Navigating the credit card perks options can be daunting 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 perpetual monitoring so that you are always kept updated if there are improved choices for you.



**Understanding Your Spending Habits**

The first step is to determine your monthly expenses across different categories such as:
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- Online
- Contactless
- Restaurant spending
- Foreign Currency Spend
- Other expenditures

This information helps us better understand your spending patterns and determine 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 collection 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 major banks and financial institutions in Singapore, including air miles and rebate options as well as Welcome Incentives.

We also provide 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 regularly refreshes its recommendations based on your usage patterns and informs you of changes to your selection to boost your miles earned. This proactive method ensures you always have the ideal set of cards to maximize your rewards and benefits.

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