Tips for Choosing the Top Credit Cards for Your Spending Habits

Tips for Choosing the Top Credit Cards for Your Spending Habits

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Tips for Choosing the Best Credit Cards for Your Lifestyle

Understanding the credit card benefits options can be overwhelming with so many selections available, each offering different rewards, incentives, and perks. We have streamlined the process to help you get started in less than 5 minutes, with ongoing monitoring so that you are always kept updated if there are improved choices for you.



**Evaluating Your Spending Habits**

The first step is to determine your monthly expenses across different categories such as:
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- Digital payments
- Tap-and-go
- Food and beverage expenses
- International payments
- General Spend

This information helps us better understand 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 collection of credit cards to evaluate the potential rewards you could earn from various credit cards, considering factors like incentive percentages, caps, and exclusions.

We ensure our database is current of credit card offers from all key financial players in Singapore, including reward and discount cards as well as Welcome Incentives.

We also offer 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 card benefits can change over time, our platform regularly refreshes its recommendations based on your spending and notifies you of changes to optimize your setup to enhance your benefit accrual. This dynamic approach ensures you always have the ideal set of cards to maximize your rewards and benefits.

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