Tips for Choosing the Most Suitable Credit Cards for Your Spending Habits

Tips for Choosing the Most Suitable Credit Cards for Your Spending Habits

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Steps to Select the Top Credit Cards for Your Lifestyle

Understanding the credit card benefits arena can be overwhelming with so many selections available, each offering different rewards, incentives, and perks. We've optimized the process to assist you in beginning 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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- Online
- Wireless transactions
- Restaurant spending
- Overseas spending
- General Spend

This information helps us better understand your spending patterns and identify 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 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 keep a current repository of credit card offers from all major banks and financial institutions in Singapore, including reward and discount cards as well as Enrollment Offers.

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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**Continuous Monitoring and Recommendations**

Since credit card terms can change over time, our platform continuously updates its recommendations based on your spending and informs you of changes to your selection to maximize your miles earned. This adaptable process ensures you always have the optimal selection to maximize your rewards and benefits.

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