How to Choose the Best Credit Cards for Your Spending Habits

Wiki Article

How to Choose the Best Credit Cards for Your Lifestyle

Navigating the credit card benefits arena can be overwhelming with so many choices available, each offering different rewards, incentives, and perks. Our system simplifies the process to assist you in beginning in less than 5 minutes, with perpetual monitoring so that you are always aware 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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- Online
- Contactless
- Dining
- Foreign Currency Spend
- General Spend

This information helps us identify 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 collection of credit cards to calculate 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 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 focusing on select bank offerings or cards with no required first-year annual fee.

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**Dynamic Tracking and Advice**

Since offers and conditions can change over time, our platform continuously updates its recommendations based on your usage patterns and notifies you of changes needed in your card portfolio to enhance your miles earned. This adaptable process ensures you always have the best credit card portfolio to achieve the highest returns.

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