How to Choose the Most Suitable Credit Cards for Your Lifestyle

Wiki Article

Tips for Choosing the Top Credit Cards for Your Spending Habits

Navigating the credit card rewards options can be daunting with so many selections available, each offering different miles, cashback, and bonuses. We've optimized the process to help you get started in less than 5 minutes, with continuous 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
- Contactless
- Dining
- Foreign Currency Spend
- Other expenditures

This information helps us identify your spending patterns and recommend the best set 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 estimate 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 major banks and financial institutions in Singapore, including reward and discount cards as well as Enrollment Offers.

We also suggest options for further optimization such as only focusing on select bank offerings or cards with no required first-year annual fee.

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**Continuous Monitoring and Recommendations**

Since card benefits can change over time, our platform keeps track of its recommendations based on your usage patterns and notifies you of changes to your selection to maximize your benefit accrual. This proactive method ensures you always have the best credit card portfolio to achieve the highest returns.

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