Steps to Select the Top Credit Cards for Your Needs

Steps to Select the Top Credit Cards for Your Needs

Blog Article

How to Choose the Best Credit Cards for Your Lifestyle

Navigating the credit card rewards arena 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 informed if there are better cards available for you.



**Analysing Your Spending Habits**

The first step is to determine your monthly expenses across different categories such as:
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- E-commerce
- Contactless
- Food and beverage expenses
- Overseas spending
- General Spend

This information helps us gain insight into your spending patterns and recommend the best set of credit cards based on your spend.

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**Tailored Credit Card Recommendations**

Next, our AI-driven platform compares your spending patterns with our database of credit cards to calculate the potential rewards you could earn from various credit cards, considering factors like incentive percentages, caps, and exclusions.

We keep a current repository of credit card offers from all leading banks and providers in Singapore, including air miles and rebate options as well as Welcome Incentives.

We also suggest options for further optimization such as only filtering cards by banks or fee-waived cards initially.

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**Ongoing Updates and Suggestions**

Since credit card terms can change over time, our platform regularly refreshes its recommendations based on your spending and notifies you of changes needed in your card portfolio to enhance your benefit accrual. This proactive method ensures you always have the ideal set of cards to gain the most advantages.

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