Steps to Select the Most Suitable Credit Cards for Your Lifestyle

Steps to Select the Most Suitable Credit Cards for Your Lifestyle

Blog Article

How to Choose the Top Credit Cards for Your Lifestyle

Understanding the credit card rewards arena can be confusing with so many alternatives available, each offering different offers, benefits, and advantages. Our system simplifies the process to help you get started in less than 5 minutes, with ongoing monitoring so that you are always kept updated if there are more suitable options for you.



**Understanding Your Spending Habits**

The first step is to understand your monthly expenses across different categories such as:
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- E-commerce
- Tap-and-go
- Restaurant spending
- Overseas spending
- General Spend

This information helps us identify your spending patterns and recommend the optimal collection of credit cards based on your spend.

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**Personalized Credit Card Recommendations**

Next, our AI-driven platform compares your spending patterns with our database of credit cards to estimate the potential rewards you could earn from various credit cards, considering factors like incentive percentages, caps, and exclusions.

We keep a current repository of credit card offers from all leading banks and providers in Singapore, including miles and cashback cards as well as Welcome Incentives.

We also suggest options for further optimization such as only focusing on select bank offerings or cards with no required first-year annual fee.

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**Ongoing Updates and Suggestions**

Since card benefits can change over time, our platform continuously updates its recommendations based on your expenses and alerts you of changes needed in your card portfolio to enhance your benefit accrual. This dynamic approach ensures you always have the optimal selection to achieve the highest returns.

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