Steps to Select the Most Suitable Credit Cards for Your Needs
Steps to Select the Most Suitable Credit Cards for Your Needs
Blog Article
How to Choose the Best Credit Cards for Your Spending Habits
Understanding the credit card perks options can be overwhelming with so many alternatives available, each offering different rewards, incentives, and perks. Our system simplifies the process to assist you in beginning in less than 5 minutes, with perpetual monitoring so that you are always aware if there are more suitable options for you.
**Analysing Your Spending Habits**
The first step is to analyze your monthly expenses across different categories such as:
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- Digital payments
- Tap-and-go
- Restaurant spending
- Foreign Currency Spend
- Other expenditures
This information helps us gain insight into 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 AI-driven platform compares your spending patterns with our database of credit cards to evaluate the potential rewards you could earn from various credit cards, considering factors like reward rates, caps, and exclusions.
We keep a current repository of credit card offers from all major banks and financial institutions 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 cards with no required first-year annual fee.
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**Continuous Monitoring and Recommendations**
Since offers and conditions can change over time, our platform regularly refreshes its recommendations based on your expenses and notifies you of changes to your selection 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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