Tips for Choosing the Best Credit Cards for Your Spending Habits

Tips for Choosing the Best Credit Cards for Your Spending Habits

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Steps to Select the Top Credit Cards for Your Needs

Exploring the credit card rewards landscape 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 kept updated if there are better cards available 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
- Tap-and-go
- Restaurant spending
- International payments
- Other expenditures

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

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**Tailored Credit Card Recommendations**

Next, our AI-driven platform compares your spending patterns with our repository of credit cards to estimate 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 air miles and rebate options as well as Welcome Incentives.

We also suggest options for further optimization such as only focusing on select bank offerings or no-fee options for the first year.

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**Dynamic Tracking and Advice**

Since credit card terms can change over time, our platform keeps track of its recommendations based on your spending and alerts you of changes needed in your card portfolio to maximize your miles earned. This adaptable process ensures you always have the optimal selection to maximize your rewards and benefits.

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