Steps to Select the Top Credit Cards for Your Needs

Steps to Select the Top Credit Cards for Your Needs

Blog Article

Tips for Choosing the Most Suitable Credit Cards for Your Spending Habits

Navigating the credit card perks landscape can be confusing with so many selections available, each offering different miles, cashback, and bonuses. Our system simplifies the process to help you get started in less than 5 minutes, with perpetual monitoring so that you are always aware if there are better cards available for you.



**Evaluating Your Spending Habits**

The first step is to understand your monthly expenses across different categories such as:
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- Online
- Wireless transactions
- Restaurant spending
- Overseas spending
- Other expenditures

This information helps us better understand your spending patterns and recommend the best set of credit cards based on your spend.

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**Personalized 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 earning ratios, caps, and exclusions.

We maintain an updated database of credit card offers from all major banks and financial institutions in Singapore, including air miles and rebate options as well as Enrollment Offers.

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 regularly refreshes its recommendations based on your spending and notifies you of changes needed in your card portfolio to enhance your benefit accrual. This proactive method ensures you always have the ideal set of cards to gain the most advantages.

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