Steps to Select the Most Suitable Credit Cards for Your Spending Habits

Steps to Select the Most Suitable Credit Cards for Your Spending Habits

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How to Choose the Best Credit Cards for Your Spending Habits

Exploring the credit card rewards arena can be overwhelming with so many alternatives available, each offering different offers, benefits, and advantages. We have streamlined the process to help you get started in less than 5 minutes, with continuous monitoring so that you are always aware if there are more suitable options for you.



**Understanding Your Spending Habits**

The first step is to understand your monthly expenses across different categories such as:
Maximize Your Savings with the DBS Multiplier Account: Interest Rates for 2024

- Online
- Contactless
- Restaurant spending
- Overseas spending
- Miscellaneous expenses

This information helps us gain insight into your spending patterns and recommend the optimal collection 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 database of credit cards to calculate 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 major banks and financial institutions in Singapore, including miles and cashback cards as well as Welcome Incentives.

We also suggest options for further optimization such as only filtering cards by banks or no-fee options for the first year.

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Maximize Your Savings with the DBS Multiplier Account: Interest Rates for 2024

**Dynamic Tracking and Advice**

Since offers and conditions can change over time, our platform keeps track of its recommendations based on your usage patterns and alerts you of changes to your selection to boost your miles earned. This proactive method ensures you always have the ideal set of cards to maximize your rewards and benefits.

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