Tips for Choosing the Most Suitable Credit Cards for Your Needs

Tips for Choosing the Most Suitable Credit Cards for Your Needs

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How to Choose the Top Credit Cards for Your Needs

Exploring the credit card benefits options can be overwhelming with so many choices available, each offering different miles, cashback, and bonuses. We have streamlined 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.



**Analysing 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
- Foreign Currency Spend
- Miscellaneous expenses

This information helps us identify your spending patterns and identify the best set 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 leading banks and providers in Singapore, including reward and discount cards as well as Welcome Incentives.

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

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**Ongoing Updates and Suggestions**

Since credit card terms can change over time, our platform keeps track of its recommendations based on your spending and alerts you of changes to your selection to boost your rewards collection. This dynamic approach ensures you always have the ideal set of cards to maximize your rewards and benefits.

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