How to Choose the Best Credit Cards for Your Spending Habits

How to Choose the Best Credit Cards for Your Spending Habits

Blog Article

How to Choose the Top Credit Cards for Your Lifestyle

Navigating the credit card perks landscape can be overwhelming with so many selections available, each offering different miles, cashback, and bonuses. Our system simplifies 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 more suitable options for you.



**Evaluating Your Spending Habits**

The first step is to determine your monthly expenses across different categories such as:
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- Online
- Wireless transactions
- Food and beverage expenses
- Overseas spending
- Other expenditures

This information helps us gain insight into your spending patterns and recommend 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 database 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 suggest options for further optimization such as only filtering cards by banks or no-fee options for the first year.

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**Dynamic Tracking and Advice**

Since credit card terms can change over time, our platform regularly refreshes its recommendations based on your expenses and alerts you of changes needed in your card portfolio to enhance your benefit accrual. This dynamic approach ensures you always have the best credit card portfolio to gain the most advantages.

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