How to Choose the Top Credit Cards for Your Spending Habits
How to Choose the Top Credit Cards for Your Spending Habits
Blog Article
Tips for Choosing the Best Credit Cards for Your Needs
Understanding the credit card rewards options can be confusing with so many alternatives available, each offering different miles, cashback, and bonuses. Our system simplifies the process to make it easier to start in less than 5 minutes, with ongoing monitoring so that you are always kept updated if there are better cards available for you.
**Analysing Your Spending Habits**
The first step is to understand your monthly expenses across different categories such as:
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- Online
- Contactless
- Food and beverage expenses
- 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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**Tailored Credit Card Recommendations**
Next, our AI-driven platform compares your spending patterns with our repository of credit cards to calculate the potential rewards you could earn from various credit cards, considering factors like earning ratios, caps, and exclusions.
We keep a current repository of credit card offers from all major banks and financial institutions 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 fee-waived cards initially.
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**Continuous Monitoring and Recommendations**
Since card benefits can change over time, our platform keeps track of its recommendations based on your usage patterns and informs you of changes to optimize your setup to boost your rewards collection. This proactive method ensures you always have the best credit card portfolio to maximize your rewards and benefits.
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