How to Choose the Best Credit Cards for Your Needs

How to Choose the Best Credit Cards for Your Needs

Blog Article

Steps to Select the Top Credit Cards for Your Needs

Exploring the credit card benefits landscape can be daunting with so many selections available, each offering different offers, benefits, and advantages. We've optimized the process to make it easier to start in less than 5 minutes, with continuous monitoring so that you are always aware if there are more suitable options for you.



**Analysing Your Spending Habits**

The first step is to determine your monthly expenses across different categories such as:
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- Online
- Tap-and-go
- Restaurant spending
- International payments
- General Spend

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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**Tailored Credit Card Recommendations**

Next, our automated tool compares your spending patterns with our repository of credit cards to estimate the potential rewards you could earn from various credit cards, considering factors like reward rates, caps, and exclusions.

We maintain an updated database of credit card offers from all major banks and financial institutions in Singapore, including air miles and rebate options as well as Enrollment Offers.

We also offer options for further optimization such as only focusing on select bank offerings or no-fee options for the first year.

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**Ongoing Updates and Suggestions**

Since credit card terms can change over time, our platform regularly refreshes its recommendations based on your spending and notifies you of changes needed in your card portfolio to boost your miles earned. This adaptable process ensures you always have the ideal set of cards to achieve the highest returns.

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