Steps to Select the Most Suitable Credit Cards for Your Lifestyle

Steps to Select the Most Suitable Credit Cards for Your Lifestyle

Blog Article

Tips for Choosing the Top Credit Cards for Your Needs

Understanding the credit card perks landscape can be daunting with so many choices available, each offering different miles, cashback, and bonuses. We've optimized the process to assist you in beginning in less than 5 minutes, with ongoing monitoring so that you are always kept updated 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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- Online
- Contactless
- Restaurant spending
- Overseas spending
- Miscellaneous expenses

This information helps us gain insight into your spending patterns and recommend 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 database of credit cards to calculate 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 key financial players in Singapore, including reward and discount cards as well as Welcome Incentives.

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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**Ongoing Updates and Suggestions**

Since credit card terms can change over time, our platform regularly refreshes its recommendations based on your usage patterns and notifies you of changes to optimize your setup to maximize your rewards collection. This adaptable process ensures you always have the best credit card portfolio to gain the most advantages.

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