How to Choose the Most Suitable Credit Cards for Your Needs

How to Choose the Most Suitable Credit Cards for Your Needs

Blog Article

Tips for Choosing the Best Credit Cards for Your Needs

Navigating the credit card perks landscape can be confusing with so many alternatives available, each offering different rewards, incentives, and perks. We've optimized the process to help you get started in less than 5 minutes, with continuous monitoring so that you are always aware if there are more suitable options for you.



**Understanding Your Spending Habits**

The first step is to understand your monthly expenses across different categories such as:
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- E-commerce
- Wireless transactions
- Food and beverage expenses
- Foreign Currency Spend
- Other expenditures

This information helps us identify your spending patterns and identify the optimal collection 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 database of credit cards to estimate 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 leading banks and providers in Singapore, including miles and cashback cards as well as Sign-up Bonuses.

We also suggest options for further optimization such as only focusing on select bank offerings 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 usage patterns and alerts you of changes to optimize your setup to boost your benefit accrual. This dynamic approach ensures you always have the best credit card portfolio to maximize your rewards and benefits.

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