Tips for Choosing the Most Suitable Credit Cards for Your Needs
Tips for Choosing the Most Suitable Credit Cards for Your Needs
Blog Article
Steps to Select the Best Credit Cards for Your Needs
Navigating the credit card benefits landscape can be overwhelming with so many alternatives 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 ongoing monitoring so that you are always informed if there are more suitable options 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
- Wireless transactions
- Restaurant spending
- Foreign Currency Spend
- Miscellaneous expenses
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 automated tool 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 reward rates, caps, and exclusions.
We keep a current repository of credit card offers from all major banks and financial institutions in Singapore, including air miles and rebate options as well as Welcome Incentives.
We also provide 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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**Ongoing Updates and Suggestions**
Since offers and conditions can change over time, our platform regularly refreshes its recommendations based on your usage patterns and alerts you of changes to optimize your setup to boost your benefit accrual. This adaptable process ensures you always have the ideal set of cards to achieve the highest returns.
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