Steps to Select the Most Suitable Credit Cards for Your Spending Habits

Steps to Select the Most Suitable Credit Cards for Your Spending Habits

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Tips for Choosing the Top Credit Cards for Your Spending Habits

Understanding the credit card benefits options can be overwhelming with so many alternatives available, each offering different offers, benefits, and advantages. We have streamlined the process to help you get started in less than 5 minutes, with perpetual 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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- E-commerce
- Wireless transactions
- Food and beverage expenses
- Foreign Currency Spend
- Miscellaneous expenses

This information helps us gain insight into your spending patterns and recommend the most suitable group of credit cards based on your spend.

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**Custom Credit Card Recommendations**

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

We maintain an updated database 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 focusing on select bank offerings or no-fee options for the first year.

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**Continuous Monitoring and Recommendations**

Since offers and conditions can change over time, our platform continuously updates its recommendations based on your expenses and informs you of changes to your selection to boost your rewards collection. This adaptable process ensures you always have the best credit card portfolio to achieve the highest returns.

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