Tips for Choosing the Top Credit Cards for Your Spending Habits

Tips for Choosing the Top Credit Cards for Your Spending Habits

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Tips for Choosing the Top Credit Cards for Your Needs

Navigating the credit card rewards arena can be daunting with so many selections available, each offering different offers, benefits, and advantages. We have streamlined the process to help you get started in less than 5 minutes, with perpetual monitoring so that you are always aware if there are more suitable options for you.



**Evaluating Your Spending Habits**

The first step is to understand your monthly expenses across different categories such as:
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- Online
- Contactless
- Dining
- Overseas spending
- Miscellaneous expenses

This information helps us gain insight into your spending patterns and determine the optimal collection 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 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 leading banks and providers in Singapore, including miles and cashback cards as well as Welcome Incentives.

We also provide options for further optimization such as only filtering cards by banks or no-fee options for the first year.

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**Continuous Monitoring and Recommendations**

Since credit card terms can change over time, our platform continuously updates its recommendations based on your expenses and informs you of changes needed in your card portfolio to boost your benefit accrual. This adaptable process ensures you always have the ideal set of cards to achieve the highest returns.

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