Steps to Select the Top Credit Cards for Your Needs

Steps to Select the Top Credit Cards for Your Needs

Blog Article

Steps to Select the Top Credit Cards for Your Spending Habits

Navigating the credit card benefits options can be daunting with so many choices available, each offering different rewards, incentives, and perks. We've optimized the process to make it easier to start in less than 5 minutes, with perpetual monitoring so that you are always aware if there are improved choices for you.



**Understanding Your Spending Habits**

The first step is to determine your monthly expenses across different categories such as:
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- Digital payments
- Wireless transactions
- Dining
- Overseas spending
- Miscellaneous expenses

This information helps us identify your spending patterns and identify the optimal collection of credit cards based on your spend.

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**Custom Credit Card Recommendations**

Next, our AI-driven platform compares your spending patterns with our repository of credit cards to evaluate the potential rewards you could earn from various credit cards, considering factors like reward rates, caps, and exclusions.

We maintain an updated database of credit card offers from all key financial players in Singapore, including air miles and rebate options as well as Enrollment Offers.

We also provide 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 keeps track of its recommendations based on your expenses and informs you of changes needed in your card portfolio to boost your benefit accrual. This adaptable process ensures you always have the ideal set of cards to achieve the highest returns.

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