Steps to Select the Top Credit Cards for Your Spending Habits

Steps to Select the Top Credit Cards for Your Spending Habits

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Steps to Select the Top Credit Cards for Your Spending Habits

Understanding the credit card rewards landscape can be overwhelming with so many choices available, each offering different rewards, incentives, and perks. We've optimized the process to help you get started in less than 5 minutes, with ongoing monitoring so that you are always aware if there are improved choices 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
- Dining
- International payments
- General Spend

This information helps us identify 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 AI-driven platform 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 incentive percentages, caps, and exclusions.

We maintain an updated database of credit card offers from all key financial players in Singapore, including miles and cashback cards as well as Welcome Incentives.

We also provide options for further optimization such as only filtering cards by banks 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 optimize your setup to boost your benefit accrual. This adaptable process ensures you always have the best credit card portfolio to maximize your rewards and benefits.

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