How to Choose the Top Credit Cards for Your Needs

How to Choose the Top Credit Cards for Your Needs

Blog Article

How to Choose the Top Credit Cards for Your Spending Habits

Understanding the credit card perks options can be daunting with so many selections available, each offering different rewards, incentives, and perks. Our system simplifies the process to help you get started in less than 5 minutes, with continuous monitoring so that you are always aware if there are improved choices for you.



**Evaluating Your Spending Habits**

The first step is to understand your monthly expenses across different categories such as:
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- E-commerce
- Tap-and-go
- Dining
- Overseas spending
- Other expenditures

This information helps us gain insight into your spending patterns and determine the most suitable group 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 estimate the potential rewards you could earn from various credit cards, considering factors like reward rates, caps, and exclusions.

We ensure our database is current of credit card offers from all leading banks and providers in Singapore, including reward and discount cards as well as Enrollment Offers.

We also suggest options for further optimization such as only looking at cards from specific banks or fee-waived cards initially.

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**Ongoing Updates and Suggestions**

Since card benefits can change over time, our platform continuously updates its recommendations based on your spending and notifies you of changes to optimize your setup to maximize your benefit accrual. This dynamic approach ensures you always have the optimal selection to achieve the highest returns.

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