Tips for Choosing the Top Credit Cards for Your Lifestyle

Wiki Article

How to Choose the Top Credit Cards for Your Spending Habits

Understanding the credit card benefits options can be confusing with so many selections available, each offering different offers, benefits, and advantages. We have streamlined the process to assist you in beginning in less than 5 minutes, with continuous monitoring so that you are always informed if there are more suitable options for you.



**Evaluating Your Spending Habits**

The first step is to analyze your monthly expenses across different categories such as:
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- Digital payments
- Contactless
- Food and beverage expenses
- Overseas spending
- General Spend

This information helps us identify your spending patterns and recommend the best set of credit cards based on your spend.

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**Custom Credit Card Recommendations**

Next, our artificial intelligence system 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 incentive percentages, caps, and exclusions.

We maintain an updated database of credit card offers from all key financial players in Singapore, including air miles and rebate options as well as Welcome Incentives.

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

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**Dynamic Tracking and Advice**

Since credit card terms can change over time, our platform regularly refreshes its recommendations based on your expenses and alerts you of changes to optimize your setup to maximize your miles earned. This proactive method ensures you always have the optimal selection to achieve the highest returns.

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