Steps to Select the Top Credit Cards for Your Lifestyle

Steps to Select the Top Credit Cards for Your Lifestyle

Blog Article

Tips for Choosing the Most Suitable Credit Cards for Your Needs

Exploring the credit card benefits options can be overwhelming with so many choices available, each offering different miles, cashback, and bonuses. We've optimized the process to make it easier to start in less than 5 minutes, with continuous monitoring so that you are always aware if there are more suitable options for you.



**Evaluating 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
- Overseas spending
- Miscellaneous expenses

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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**Personalized 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 ensure our database is current of credit card offers from all leading banks and providers in Singapore, including miles and cashback cards as well as Welcome Incentives.

We also offer options for further optimization such as only focusing on select bank offerings or no-fee options for the first year.

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**Dynamic Tracking and Advice**

Since card benefits can change over time, our platform keeps track of its recommendations based on your expenses and informs you of changes needed in your card portfolio to boost your benefit accrual. This proactive method ensures you always have the best credit card portfolio to maximize your rewards and benefits.

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