Steps to Select the Best Credit Cards for Your Spending Habits

Steps to Select the Best Credit Cards for Your Spending Habits

Blog Article

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

Understanding the credit card benefits landscape can be confusing with so many choices available, each offering different miles, cashback, and bonuses. We have streamlined the process to help you get started in less than 5 minutes, with ongoing monitoring so that you are always informed if there are better cards available for you.



**Evaluating Your Spending Habits**

The first step is to understand your monthly expenses across different categories such as:
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- Online
- Contactless
- Food and beverage expenses
- International payments
- Miscellaneous expenses

This information helps us better understand your spending patterns and identify the optimal collection 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 evaluate the potential rewards you could earn from various credit cards, considering factors like reward rates, caps, and exclusions.

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

We also suggest 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 continuously updates its recommendations based on your expenses and notifies you of changes to optimize your setup to boost your benefit accrual. This proactive method ensures you always have the best credit card portfolio to maximize your rewards and benefits.

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