How to Choose the Best Credit Cards for Your Needs
How to Choose the Best Credit Cards for Your Needs
Blog Article
Steps to Select the Most Suitable Credit Cards for Your Spending Habits
Navigating the credit card benefits landscape can be overwhelming with so many alternatives available, each offering different miles, cashback, and bonuses. We have streamlined 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 more suitable options for you.
**Analysing Your Spending Habits**
The first step is to understand your monthly expenses across different categories such as:
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- Online
- Contactless
- Food and beverage expenses
- Foreign Currency Spend
- Miscellaneous expenses
This information helps us better understand your spending patterns and recommend the most suitable group 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 collection 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 major banks and financial institutions in Singapore, including miles and cashback cards as well as Sign-up Bonuses.
We also provide options for further optimization such as only looking at cards from specific banks or cards with no required first-year annual fee.
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**Ongoing Updates and Suggestions**
Since card benefits can change over time, our platform regularly refreshes its recommendations based on your usage patterns and notifies you of changes needed in your card portfolio to enhance your benefit accrual. This proactive method ensures you always have the ideal set of cards to gain the most advantages.
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