Steps to Select the Top Credit Cards for Your Needs

Steps to Select the Top Credit Cards for Your Needs

Blog Article

How to Choose the Most Suitable Credit Cards for Your Lifestyle

Understanding the credit card rewards options can be daunting with so many choices available, each offering different offers, benefits, and advantages. We have streamlined the process to make it easier to start in less than 5 minutes, with perpetual monitoring so that you are always kept updated if there are more suitable options for you.



**Understanding Your Spending Habits**

The first step is to understand your monthly expenses across different categories such as:
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- Digital payments
- Tap-and-go
- Dining
- Foreign Currency Spend
- General Spend

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

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**Tailored 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 keep a current repository of credit card offers from all major banks and financial institutions in Singapore, including miles and cashback cards as well as Welcome Incentives.

We also suggest options for further optimization such as only focusing on select bank offerings or fee-waived cards initially.

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**Continuous Monitoring and Recommendations**

Since credit card terms can change over time, our platform keeps track of its recommendations based on your usage patterns and informs you of changes to optimize your setup to enhance your benefit accrual. This adaptable process ensures you always have the ideal set of cards to maximize your rewards and benefits.

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