Steps to Select the Best Credit Cards for Your Spending Habits

Steps to Select the Best Credit Cards for Your Spending Habits

Blog Article

How to Choose the Most Suitable Credit Cards for Your Lifestyle

Exploring the credit card benefits landscape can be overwhelming with so many choices available, each offering different offers, benefits, and advantages. We've optimized the process to assist you in beginning in less than 5 minutes, with continuous monitoring so that you are always aware if there are more suitable options for you.



**Evaluating Your Spending Habits**

The first step is to understand your monthly expenses across different categories such as:
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- Digital payments
- Contactless
- Dining
- International payments
- Other expenditures

This information helps us gain insight into your spending patterns and recommend the best set of credit cards based on your spend.

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**Tailored Credit Card Recommendations**

Next, our automated tool compares your spending patterns with our repository of credit cards to evaluate 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 key financial players in Singapore, including air miles and rebate options as well as Sign-up Bonuses.

We also suggest options for further optimization such as only focusing on select bank offerings or cards with no required first-year annual fee.

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**Ongoing Updates and Suggestions**

Since offers and conditions can change over time, our platform regularly refreshes its recommendations based on your expenses and notifies you of changes needed in your card portfolio to enhance your benefit accrual. This adaptable process ensures you always have the optimal selection to maximize your rewards and benefits.

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