How to Choose the Most Suitable Credit Cards for Your Spending Habits

How to Choose the Most Suitable Credit Cards for Your Spending Habits

Blog Article

Tips for Choosing the Best Credit Cards for Your Needs

Exploring the credit card perks landscape can be confusing with so many alternatives available, each offering different miles, cashback, and bonuses. We've optimized the process to help you get started in less than 5 minutes, with continuous monitoring so that you are always informed if there are better cards available for you.



**Analysing 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
- Food and beverage expenses
- Overseas spending
- General Spend

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

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**Personalized Credit Card Recommendations**

Next, our AI-driven platform compares your spending patterns with our database of credit cards to calculate 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 air miles and rebate options as well as Sign-up Bonuses.

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

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**Continuous Monitoring and Recommendations**

Since offers and conditions can change over time, our platform keeps track of its recommendations based on your usage patterns and informs you of changes to optimize your setup to enhance your benefit accrual. This adaptable process ensures you always have the ideal set of cards to maximize your rewards and benefits.

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