How to Choose the Top Credit Cards for Your Needs

How to Choose the Top Credit Cards for Your Needs

Blog Article

Tips for Choosing the Most Suitable Credit Cards for Your Lifestyle

Navigating the credit card benefits arena can be daunting with so many selections available, each offering different offers, benefits, and advantages. We have streamlined the process to make it easier to start in less than 5 minutes, with continuous monitoring so that you are always kept updated if there are better cards available for you.



**Analysing Your Spending Habits**

The first step is to determine your monthly expenses across different categories such as:
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- Digital payments
- Contactless
- Restaurant spending
- Foreign Currency Spend
- Miscellaneous expenses

This information helps us identify your spending patterns and determine the optimal collection 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 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 reward and discount cards as well as Welcome Incentives.

We also provide options for further optimization such as only looking at cards from specific banks or cards with no required first-year annual fee.

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**Ongoing Updates and Suggestions**

Since card benefits can change over time, our platform keeps track of its recommendations based on your expenses and notifies you of changes to optimize your setup to enhance your miles earned. This dynamic approach ensures you always have the ideal set of cards to achieve the highest returns.

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