How to Choose the Top Credit Cards for Your Needs

How to Choose the Top Credit Cards for Your Needs

Blog Article

How to Choose the Best Credit Cards for Your Spending Habits

Exploring the credit card rewards options 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 analyze your monthly expenses across different categories such as:
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- Digital payments
- Wireless transactions
- Restaurant spending
- Overseas spending
- General Spend

This information helps us identify 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 incentive percentages, caps, and exclusions.

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

We also offer options for further optimization such as only focusing on select bank offerings or fee-waived cards initially.

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**Ongoing Updates and Suggestions**

Since credit card terms can change over time, our platform regularly refreshes its recommendations based on your expenses and alerts you of changes needed in your card portfolio to maximize your rewards collection. This adaptable process ensures you always have the ideal set of cards to maximize your rewards and benefits.

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