How to Choose the Most Suitable Credit Cards for Your Needs

How to Choose the Most Suitable Credit Cards for Your Needs

Blog Article

Steps to Select the Top Credit Cards for Your Needs

Navigating the credit card rewards arena can be confusing with so many alternatives available, each offering different offers, benefits, and advantages. Our system simplifies the process to assist you in beginning in less than 5 minutes, with ongoing monitoring so that you are always informed if there are improved choices for you.



**Analysing Your Spending Habits**

The first step is to analyze your monthly expenses across different categories such as:
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- E-commerce
- Contactless
- Dining
- Foreign Currency Spend
- General Spend

This information helps us better understand 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 AI-driven platform compares your spending patterns with our repository of credit cards to evaluate the potential rewards you could earn from various credit cards, considering factors like reward rates, caps, and exclusions.

We maintain an updated database 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 offer options for further optimization such as only looking at cards from specific banks or cards with no required first-year annual fee.

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**Continuous Monitoring and Recommendations**

Since offers and conditions can change over time, our platform keeps track of its recommendations based on your usage patterns and alerts you of changes needed in your card portfolio to maximize your rewards collection. This proactive method ensures you always have the optimal selection to achieve the highest returns.

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