Tips for Choosing the Top Credit Cards for Your Needs

Tips for Choosing the Top Credit Cards for Your Needs

Blog Article

How to Choose the Top Credit Cards for Your Spending Habits

Understanding the credit card benefits arena can be daunting with so many alternatives available, each offering different rewards, incentives, and perks. We have streamlined the process to help you get started in less than 5 minutes, with ongoing monitoring so that you are always kept updated if there are better cards available for you.



**Understanding Your Spending Habits**

The first step is to determine your monthly expenses across different categories such as:
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- E-commerce
- Wireless transactions
- Restaurant spending
- Overseas spending
- General Spend

This information helps us identify your spending patterns and recommend 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 ensure our database is current of credit card offers from all leading banks and providers in Singapore, including miles and cashback cards as well as Welcome Incentives.

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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**Ongoing Updates and Suggestions**

Since credit card terms can change over time, our platform keeps track of its recommendations based on your spending and notifies you of changes needed in your card portfolio to enhance your benefit accrual. This adaptable process ensures you always have the ideal set of cards to achieve the highest returns.

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