Tips for Choosing the Best Credit Cards for Your Needs

Tips for Choosing the Best Credit Cards for Your Needs

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How to Choose the Best Credit Cards for Your Needs

Exploring the credit card rewards arena can be confusing with so many choices available, each offering different miles, cashback, and bonuses. We've optimized the process to make it easier to start in less than 5 minutes, with continuous monitoring so that you are always kept updated if there are improved choices for you.



**Evaluating Your Spending Habits**

The first step is to understand your monthly expenses across different categories such as:
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- E-commerce
- Contactless
- Dining
- 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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**Tailored Credit Card Recommendations**

Next, our artificial intelligence system 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 ensure our database is current of credit card offers from all leading banks and providers in Singapore, including air miles and rebate options as well as Sign-up Bonuses.

We also suggest 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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**Ongoing Updates and Suggestions**

Since card benefits can change over time, our platform continuously updates its recommendations based on your spending and informs you of changes needed in your card portfolio to maximize your miles earned. This adaptable process ensures you always have the ideal set of cards to achieve the highest returns.

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