Steps to Select the Top Credit Cards for Your Needs

Steps to Select the Top Credit Cards for Your Needs

Blog Article

Steps to Select the Most Suitable Credit Cards for Your Lifestyle

Navigating the credit card rewards arena can be confusing with so many choices available, each offering different rewards, incentives, and perks. We have streamlined the process to make it easier to start in less than 5 minutes, with continuous monitoring so that you are always aware if there are more suitable options for you.



**Analysing Your Spending Habits**

The first step is to analyze your monthly expenses across different categories such as:
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- Digital payments
- Contactless
- Food and beverage expenses
- Overseas spending
- Miscellaneous expenses

This information helps us better understand your spending patterns and identify the optimal collection of credit cards based on your spend.

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**Custom Credit Card Recommendations**

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

We ensure our database is current of credit card offers from all leading banks and providers in Singapore, including reward and discount cards as well as Sign-up Bonuses.

We also suggest options for further optimization such as only looking at cards from specific banks or no-fee options for the first year.

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**Continuous Monitoring and Recommendations**

Since offers and conditions can change over time, our platform continuously updates its recommendations based on your usage patterns and informs you of changes to optimize your setup to maximize your rewards collection. This adaptable process ensures you always have the optimal selection to achieve the highest returns.

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