Steps to Select the Best Credit Cards for Your Spending Habits

Steps to Select the Best Credit Cards for Your Spending Habits

Blog Article

Tips for Choosing the Most Suitable Credit Cards for Your Lifestyle

Exploring the credit card perks options can be daunting 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 informed 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
- Food and beverage expenses
- Overseas spending
- Other expenditures

This information helps us better understand 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 automated tool compares your spending patterns with our repository of credit cards to evaluate 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 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 looking at cards from specific banks or fee-waived cards initially.

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**Dynamic Tracking and Advice**

Since offers and conditions can change over time, our platform regularly refreshes its recommendations based on your usage patterns and notifies you of changes to optimize your setup to enhance your benefit accrual. This dynamic approach ensures you always have the ideal set of cards to maximize your rewards and benefits.

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