Tips for Choosing the Best Credit Cards for Your Needs

Tips for Choosing the Best Credit Cards for Your Needs

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Tips for Choosing the Best Credit Cards for Your Spending Habits

Exploring the credit card benefits arena can be overwhelming with so many alternatives available, each offering different rewards, incentives, and perks. We've optimized the process to make it easier to start in less than 5 minutes, with perpetual monitoring so that you are always informed if there are improved choices 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
- Tap-and-go
- Dining
- International payments
- Miscellaneous expenses

This information helps us better understand 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 automated tool compares your spending patterns with our repository 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 key financial players in Singapore, including air miles and rebate options as well as Sign-up Bonuses.

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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**Continuous Monitoring and Recommendations**

Since credit card terms can change over time, our platform regularly refreshes its recommendations based on your expenses and notifies you of changes to your selection to enhance your rewards collection. This proactive method ensures you always have the optimal selection to gain the most advantages.

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