Tips for Choosing the Top Credit Cards for Your Spending Habits

Tips for Choosing the Top Credit Cards for Your Spending Habits

Blog Article

Steps to Select the Top Credit Cards for Your Needs

Understanding the credit card perks landscape can be overwhelming with so many alternatives available, each offering different offers, benefits, and advantages. We've optimized the process to help you get started in less than 5 minutes, with continuous monitoring so that you are always kept updated 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
- Contactless
- Food and beverage expenses
- Overseas spending
- General Spend

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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**Personalized Credit Card Recommendations**

Next, our AI-driven platform 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 incentive percentages, caps, and exclusions.

We maintain an updated database of credit card offers from all key financial players in Singapore, including air miles and rebate options as well as Welcome Incentives.

We also offer options for further optimization such as only looking at cards from specific banks or fee-waived cards initially.

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**Dynamic Tracking and Advice**

Since card benefits can change over time, our platform regularly refreshes its recommendations based on your spending and alerts you of changes to optimize your setup to enhance your miles earned. This adaptable process ensures you always have the optimal selection to maximize your rewards and benefits.

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