How to Choose the Most Suitable Credit Cards for Your Needs

How to Choose the Most Suitable Credit Cards for Your Needs

Blog Article

Tips for Choosing the Most Suitable Credit Cards for Your Needs

Exploring the credit card benefits arena can be daunting with so many choices available, each offering different miles, cashback, and bonuses. We have streamlined the process to make it easier to start in less than 5 minutes, with continuous monitoring so that you are always kept updated if there are more suitable options for you.



**Analysing Your Spending Habits**

The first step is to analyze your monthly expenses across different categories such as:
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- Digital payments
- Tap-and-go
- Restaurant spending
- International payments
- Miscellaneous expenses

This information helps us gain insight into your spending patterns and recommend the best set 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 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 maintain an updated database 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 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 notifies you of changes to optimize your setup to enhance your rewards collection. This dynamic approach ensures you always have the best credit card portfolio to gain the most advantages.

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