Tips for Choosing the Best Credit Cards for Your Spending Habits

Wiki Article

How to Choose the Best Credit Cards for Your Spending Habits

Exploring the credit card benefits landscape can be daunting with so many selections available, each offering different rewards, incentives, and perks. We have streamlined 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 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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- Online
- Tap-and-go
- Food and beverage expenses
- Overseas spending
- Other expenditures

This information helps us better understand your spending patterns and recommend the most suitable group 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 collection 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 key financial players in Singapore, including miles and cashback cards as well as Enrollment Offers.

We also suggest options for further optimization such as only looking at cards from specific banks or no-fee options for the first year.

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**Continuous Monitoring and Recommendations**

Since credit card terms can change over time, our platform continuously updates its recommendations based on your spending and informs you of changes to your selection to boost your miles earned. This proactive method ensures you always have the ideal set of cards to achieve the highest returns.

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