How to Choose the Top Credit Cards for Your Spending Habits

How to Choose the Top Credit Cards for Your Spending Habits

Blog Article

Tips for Choosing the Most Suitable Credit Cards for Your Spending Habits

Understanding the credit card benefits arena can be daunting with so many selections available, each offering different miles, cashback, and bonuses. We've optimized the process to make it easier to start in less than 5 minutes, with ongoing monitoring so that you are always aware if there are more suitable options for you.



**Evaluating Your Spending Habits**

The first step is to analyze your monthly expenses across different categories such as:
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- E-commerce
- Tap-and-go
- Restaurant spending
- International payments
- Other expenditures

This information helps us better understand your spending patterns and determine 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 database of credit cards to evaluate the potential rewards you could earn from various credit cards, considering factors like earning ratios, caps, and exclusions.

We maintain an updated database of credit card offers from all leading banks and providers in Singapore, including air miles and rebate options 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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**Ongoing Updates and Suggestions**

Since credit card terms can change over time, our platform regularly refreshes its recommendations based on your spending and informs you of changes to optimize your setup to enhance your rewards collection. This adaptable process ensures you always have the best credit card portfolio to gain the most advantages.

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