How to Choose the Most Suitable Credit Cards for Your Spending Habits

How to Choose the Most Suitable Credit Cards for Your Spending Habits

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Steps to Select the Most Suitable Credit Cards for Your Needs

Understanding the credit card rewards landscape can be daunting with so many selections available, each offering different offers, benefits, and advantages. We've optimized the process to help you get started in less than 5 minutes, with perpetual monitoring so that you are always aware if there are more suitable options for you.



**Understanding Your Spending Habits**

The first step is to analyze your monthly expenses across different categories such as:
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- E-commerce
- Tap-and-go
- Food and beverage expenses
- International payments
- Other expenditures

This information helps us gain insight into your spending patterns and recommend the most suitable group of credit cards based on your spend.

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**Tailored Credit Card Recommendations**

Next, our artificial intelligence system compares your spending patterns with our repository 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 key financial players in Singapore, including miles and cashback cards as well as Sign-up Bonuses.

We also suggest options for further optimization such as only looking at cards from specific banks or no-fee options for the first year.

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**Dynamic Tracking and Advice**

Since card benefits can change over time, our platform continuously updates its recommendations based on your expenses and alerts you of changes to your selection to boost your rewards collection. This adaptable process ensures you always have the best credit card portfolio to gain the most advantages.

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