How to Choose the Best Credit Cards for Your Spending Habits

How to Choose the Best Credit Cards for Your Spending Habits

Blog Article

Tips for Choosing the Most Suitable Credit Cards for Your Spending Habits

Understanding the credit card perks options can be overwhelming with so many choices available, each offering different miles, cashback, and bonuses. We've optimized the process to help you get started in less than 5 minutes, with perpetual monitoring so that you are always kept updated if there are improved choices for you.



**Understanding Your Spending Habits**

The first step is to determine your monthly expenses across different categories such as:
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- E-commerce
- Wireless transactions
- Restaurant spending
- Overseas spending
- Miscellaneous expenses

This information helps us better understand your spending patterns and identify the most suitable group 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 collection 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 major banks and financial institutions in Singapore, including reward and discount cards as well as Enrollment Offers.

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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**Continuous Monitoring and Recommendations**

Since offers and conditions can change over time, our platform keeps track of its recommendations based on your expenses and informs you of changes to your selection to enhance your benefit accrual. This adaptable process ensures you always have the ideal set of cards to maximize your rewards and benefits.

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