How to Choose the Best Credit Cards for Your Lifestyle

How to Choose the Best Credit Cards for Your Lifestyle

Blog Article

Steps to Select the Most Suitable Credit Cards for Your Spending Habits

Exploring the credit card perks landscape can be daunting with so many alternatives available, each offering different offers, benefits, and advantages. Our system simplifies the process to make it easier to start in less than 5 minutes, with continuous monitoring so that you are always aware if there are improved choices 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
- Tap-and-go
- Food and beverage expenses
- Overseas spending
- General Spend

This information helps us identify your spending patterns and identify the most suitable group of credit cards based on your spend.

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**Custom Credit Card Recommendations**

Next, our automated tool 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 maintain an updated database of credit card offers from all major banks and financial institutions in Singapore, including reward and discount cards as well as Welcome Incentives.

We also offer 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 spending and informs you of changes needed in your card portfolio to maximize your benefit accrual. This adaptable process ensures you always have the ideal set of cards to achieve the highest returns.

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