How to Choose the Top Credit Cards for Your Needs

How to Choose the Top Credit Cards for Your Needs

Blog Article

Steps to Select the Most Suitable Credit Cards for Your Lifestyle

Navigating the credit card benefits options can be confusing 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 ongoing monitoring so that you are always aware if there are more suitable options for you.



**Evaluating Your Spending Habits**

The first step is to analyze your monthly expenses across different categories such as:
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- Online
- Tap-and-go
- Dining
- International payments
- Miscellaneous expenses

This information helps us identify your spending patterns and determine 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 calculate the potential rewards you could earn from various credit cards, considering factors like incentive percentages, caps, and exclusions.

We keep a current repository 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 provide options for further optimization such as only looking at cards from specific banks or cards with no required first-year annual fee.

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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 to optimize your setup to enhance your benefit accrual. This dynamic approach ensures you always have the best credit card portfolio to achieve the highest returns.

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