Tips for Choosing the Best Credit Cards for Your Spending Habits

Tips for Choosing the Best Credit Cards for Your Spending Habits

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How to Choose the Top Credit Cards for Your Spending Habits

Understanding the credit card rewards landscape can be overwhelming with so many alternatives available, each offering different miles, cashback, and bonuses. We have streamlined the process to assist you in beginning in less than 5 minutes, with perpetual monitoring so that you are always kept updated if there are better cards available for you.



**Understanding Your Spending Habits**

The first step is to determine your monthly expenses across different categories such as:
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- Digital payments
- Wireless transactions
- Restaurant spending
- International payments
- Miscellaneous expenses

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

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**Custom Credit Card Recommendations**

Next, our AI-driven platform compares your spending patterns with our collection of credit cards to evaluate the potential rewards you could earn from various credit cards, considering factors like earning ratios, caps, and exclusions.

We keep a current repository of credit card offers from all key financial players in Singapore, including miles and cashback cards as well as Sign-up Bonuses.

We also offer options for further optimization such as only filtering cards by banks or cards with no required first-year annual fee.

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**Dynamic Tracking and Advice**

Since offers and conditions can change over time, our platform continuously updates its recommendations based on your expenses and informs you of changes to optimize your setup to enhance your benefit accrual. This proactive method ensures you always have the best credit card portfolio to achieve the highest returns.

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