Steps to Select the Best Credit Cards for Your Spending Habits
Steps to Select the Best Credit Cards for Your Spending Habits
Blog Article
Tips for Choosing the Top Credit Cards for Your Needs
Understanding the credit card rewards landscape can be confusing with so many choices available, each offering different rewards, incentives, and perks. We have streamlined the process to assist you in beginning in less than 5 minutes, with perpetual monitoring so that you are always aware if there are improved choices for you.
**Understanding Your Spending Habits**
The first step is to analyze your monthly expenses across different categories such as:
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- Online
- Tap-and-go
- Food and beverage expenses
- Foreign Currency Spend
- General Spend
This information helps us gain insight into your spending patterns and identify the most suitable group of credit cards based on your spend.
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**Personalized 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 earning ratios, caps, and exclusions.
We ensure our database is current 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 offer options for further optimization such as only filtering cards by banks or fee-waived cards initially.
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**Continuous Monitoring and Recommendations**
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 boost your rewards collection. This adaptable process ensures you always have the optimal selection to maximize your rewards and benefits.
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