Steps to Select the Most Suitable Credit Cards for Your Spending Habits

Steps to Select the Most Suitable Credit Cards for Your Spending Habits

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Steps to Select the Most Suitable Credit Cards for Your Lifestyle

Navigating the credit card benefits landscape can be daunting with so many alternatives available, each offering different miles, cashback, and bonuses. We've optimized the process to help you get started in less than 5 minutes, with ongoing monitoring so that you are always informed 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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- E-commerce
- Tap-and-go
- Dining
- International payments
- Miscellaneous expenses

This information helps us better understand your spending patterns and identify the best set of credit cards based on your spend.

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**Custom Credit Card Recommendations**

Next, our artificial intelligence system 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 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 Enrollment Offers.

We also provide options for further optimization such as only filtering cards by banks or no-fee options for the first year.

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**Ongoing Updates and Suggestions**

Since offers and conditions can change over time, our platform keeps track of its recommendations based on your spending and informs you of changes needed in your card portfolio to maximize your benefit accrual. This adaptable process ensures you always have the ideal set of cards to achieve the highest returns.

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