Steps to Select the Best Credit Cards for Your Spending Habits

Steps to Select the Best Credit Cards for Your Spending Habits

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Steps to Select the Top Credit Cards for Your Needs

Exploring the credit card rewards landscape can be overwhelming with so many choices available, each offering different offers, benefits, and advantages. We have streamlined the process to make it easier to start in less than 5 minutes, with perpetual monitoring so that you are always kept updated if there are improved choices for you.



**Analysing Your Spending Habits**

The first step is to understand your monthly expenses across different categories such as:
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- Digital payments
- Contactless
- Restaurant spending
- Foreign Currency Spend
- Miscellaneous expenses

This information helps us identify your spending patterns and determine the optimal collection 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 repository of credit cards to calculate the potential rewards you could earn from various credit cards, considering factors like incentive percentages, caps, and exclusions.

We ensure our database is current of credit card offers from all key financial players in Singapore, including reward and discount cards as well as Enrollment Offers.

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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**Ongoing Updates and Suggestions**

Since offers and conditions can change over time, our platform regularly refreshes its recommendations based on your spending and informs you of changes needed in your card portfolio to boost your miles earned. This proactive method ensures you always have the ideal set of cards to gain the most advantages.

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