How to Choose the Most Suitable Credit Cards for Your Spending Habits

How to Choose the Most Suitable Credit Cards for Your Spending Habits

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Steps to Select the Best Credit Cards for Your Spending Habits

Navigating the credit card perks landscape can be overwhelming 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 continuous monitoring so that you are always aware if there are more suitable options for you.



**Analysing Your Spending Habits**

The first step is to analyze your monthly expenses across different categories such as:
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- Digital payments
- Tap-and-go
- Food and beverage expenses
- International payments
- General Spend

This information helps us identify your spending patterns and identify the best set 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 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 miles and cashback cards as well as Sign-up Bonuses.

We also offer options for further optimization such as only filtering cards by banks or no-fee options for the first year.

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**Ongoing Updates and Suggestions**

Since card benefits can change over time, our platform continuously updates its recommendations based on your expenses and informs you of changes to your selection to enhance your benefit accrual. This adaptable process ensures you always have the best credit card portfolio to gain the most advantages.

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