How to Choose the Most Suitable Credit Cards for Your Needs

How to Choose the Most Suitable Credit Cards for Your Needs

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How to Choose the Best Credit Cards for Your Needs

Exploring the credit card rewards arena can be confusing with so many choices available, each offering different miles, cashback, and bonuses. We have streamlined the process to help you get started in less than 5 minutes, with ongoing monitoring so that you are always informed if there are better cards available for you.



**Understanding Your Spending Habits**

The first step is to understand your monthly expenses across different categories such as:
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- Online
- Tap-and-go
- Food and beverage expenses
- Overseas spending
- General Spend

This information helps us better understand your spending patterns and recommend 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 repository of credit cards to calculate 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 key financial players in Singapore, including miles and cashback cards as well as Welcome Incentives.

We also suggest options for further optimization such as only looking at cards from specific banks or no-fee options for the first year.

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**Dynamic Tracking and Advice**

Since credit card terms can change over time, our platform keeps track of its recommendations based on your usage patterns and notifies you of changes to your selection to boost your miles earned. This proactive method ensures you always have the optimal selection to gain the most advantages.

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