Steps to Select the Most Suitable Credit Cards for Your Lifestyle

Steps to Select the Most Suitable Credit Cards for Your Lifestyle

Blog Article

How to Choose the Top Credit Cards for Your Needs

Understanding the credit card perks landscape can be daunting with so many selections 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 ongoing monitoring so that you are always informed if there are improved choices for you.



**Evaluating Your Spending Habits**

The first step is to determine your monthly expenses across different categories such as:
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- E-commerce
- Wireless transactions
- 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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**Tailored Credit Card Recommendations**

Next, our artificial intelligence system compares your spending patterns with our repository of credit cards to estimate the potential rewards you could earn from various credit cards, considering factors like reward rates, caps, and exclusions.

We keep a current repository of credit card offers from all major banks and financial institutions in Singapore, including air miles and rebate options as well as Sign-up Bonuses.

We also suggest options for further optimization such as only filtering cards by banks or cards with no required first-year annual fee.

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**Ongoing Updates and Suggestions**

Since card benefits can change over time, our platform continuously updates its recommendations based on your spending and informs you of changes to your selection to enhance your rewards collection. This proactive method ensures you always have the ideal set of cards to gain the most advantages.

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