Steps to Select the Most Suitable Credit Cards for Your Lifestyle

Steps to Select the Most Suitable Credit Cards for Your Lifestyle

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Steps to Select the Top Credit Cards for Your Lifestyle

Understanding the credit card perks landscape can be daunting with so many selections available, each offering different miles, cashback, and bonuses. We've optimized the process to make it easier to start in less than 5 minutes, with perpetual monitoring so that you are always aware 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
- Contactless
- Restaurant spending
- 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 collection of credit cards to evaluate the potential rewards you could earn from various credit cards, considering factors like incentive percentages, caps, and exclusions.

We keep a current repository of credit card offers from all leading banks and providers 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 cards with no required first-year annual fee.

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**Dynamic Tracking and Advice**

Since offers and conditions can change over time, our platform keeps track of its recommendations based on your expenses and alerts you of changes needed in your card portfolio to maximize your benefit accrual. This dynamic approach ensures you always have the best credit card portfolio to achieve the highest returns.

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