How to Choose the Best Credit Cards for Your Needs

How to Choose the Best Credit Cards for Your Needs

Blog Article

How to Choose the Top Credit Cards for Your Needs

Exploring the credit card perks options can be confusing with so many choices available, each offering different rewards, incentives, and perks. We've optimized the process to make it easier to start in less than 5 minutes, with ongoing monitoring so that you are always informed 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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- Digital payments
- Tap-and-go
- Restaurant spending
- Overseas spending
- Other expenditures

This information helps us gain insight into your spending patterns and recommend the best set 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 database of credit cards to estimate the potential rewards you could earn from various credit cards, considering factors like earning ratios, caps, and exclusions.

We ensure our database is current of credit card offers from all key financial players in Singapore, including reward and discount cards as well as Enrollment Offers.

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

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**Dynamic Tracking and Advice**

Since card benefits can change over time, our platform keeps track of its recommendations based on your spending and informs you of changes needed in your card portfolio to maximize your miles earned. This dynamic approach ensures you always have the best credit card portfolio to achieve the highest returns.

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