Tips for Choosing the Most Suitable Credit Cards for Your Spending Habits

Tips for Choosing the Most Suitable Credit Cards for Your Spending Habits

Blog Article

Steps to Select the Top Credit Cards for Your Lifestyle

Navigating the credit card benefits options can be daunting with so many selections available, each offering different offers, benefits, and advantages. Our system simplifies the process to help you get started in less than 5 minutes, with ongoing monitoring so that you are always aware if there are improved choices for you.



**Analysing Your Spending Habits**

The first step is to determine your monthly expenses across different categories such as:
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- Digital payments
- Tap-and-go
- Food and beverage expenses
- Overseas spending
- Miscellaneous expenses

This information helps us gain insight into your spending patterns and identify 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 estimate the potential rewards you could earn from various credit cards, considering factors like earning ratios, caps, and exclusions.

We ensure our database is current of credit card offers from all key financial players in Singapore, including reward and discount cards as well as Enrollment Offers.

We also provide options for further optimization such as only looking at cards from specific banks or fee-waived cards initially.

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**Continuous Monitoring and Recommendations**

Since offers and conditions can change over time, our platform regularly refreshes its recommendations based on your spending and informs you of changes needed in your card portfolio to maximize your miles earned. This dynamic approach ensures you always have the best credit card portfolio to maximize your rewards and benefits.

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