Steps to Select the Top Credit Cards for Your Lifestyle

Steps to Select the Top Credit Cards for Your Lifestyle

Blog Article

How to Choose the Best Credit Cards for Your Needs

Exploring the credit card benefits options can be confusing with so many selections available, each offering different offers, benefits, and advantages. We've optimized the process to make it easier to start in less than 5 minutes, with ongoing monitoring so that you are always informed if there are more suitable options for you.



**Evaluating Your Spending Habits**

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

This information helps us gain insight into your spending patterns and determine the optimal collection of credit cards based on your spend.

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**Personalized Credit Card Recommendations**

Next, our automated tool 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 reward rates, caps, and exclusions.

We ensure our database is current of credit card offers from all leading banks and providers in Singapore, including reward and discount cards as well as Enrollment Offers.

We also suggest options for further optimization such as only focusing on select bank offerings or fee-waived cards initially.

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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 spending and informs you of changes needed in your card portfolio to enhance your rewards collection. This proactive method ensures you always have the optimal selection to achieve the highest returns.

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