Steps to Select the Best Credit Cards for Your Spending Habits

Steps to Select the Best Credit Cards for Your Spending Habits

Blog Article

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

Exploring the credit card perks arena can be daunting with so many selections available, each offering different miles, cashback, and bonuses. We have streamlined the process to assist you in beginning in less than 5 minutes, with ongoing monitoring so that you are always aware if there are more suitable options for you.



**Understanding Your Spending Habits**

The first step is to understand your monthly expenses across different categories such as:
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- Online
- Wireless transactions
- Food and beverage expenses
- Foreign Currency Spend
- Miscellaneous expenses

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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**Tailored Credit Card Recommendations**

Next, our artificial intelligence system compares your spending patterns with our repository of credit cards to estimate the potential rewards you could earn from various credit cards, considering factors like reward rates, caps, and exclusions.

We maintain an updated database of credit card offers from all key financial players in Singapore, including reward and discount cards as well as Enrollment Offers.

We also offer options for further optimization such as only focusing on select bank offerings or no-fee options for the first year.

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**Dynamic Tracking and Advice**

Since credit card terms can change over time, our platform keeps track of its recommendations based on your spending and alerts you of changes needed in your card portfolio to maximize your miles earned. This adaptable process ensures you always have the best credit card portfolio to maximize your rewards and benefits.

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