Steps to Select the Most Suitable Credit Cards for Your Spending Habits
Steps to Select the Most Suitable Credit Cards for Your Spending Habits
Blog Article
Tips for Choosing the Top Credit Cards for Your Lifestyle
Understanding the credit card benefits arena can be overwhelming with so many selections available, each offering different miles, cashback, and bonuses. We've optimized the process to help you get started in less than 5 minutes, with continuous monitoring so that you are always aware if there are better cards available for you.
**Evaluating 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
- Overseas spending
- Miscellaneous expenses
This information helps us better understand your spending patterns and determine the most suitable group of credit cards based on your spend.
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**Custom Credit Card Recommendations**
Next, our automated tool compares your spending patterns with our collection 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 Welcome Incentives.
We also offer options for further optimization such as only looking at cards from specific banks or cards with no required first-year annual fee.
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**Continuous Monitoring and Recommendations**
Since offers and conditions can change over time, our platform keeps track of its recommendations based on your spending and notifies you of changes to optimize your setup to maximize your rewards collection. This adaptable process ensures you always have the best credit card portfolio to gain the most advantages.
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