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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How to Choose the Top Credit Cards for Your Needs

Exploring the credit card perks arena can be overwhelming with so many choices available, each offering different rewards, incentives, and perks. Our system simplifies the process to make it easier to start in less than 5 minutes, with ongoing monitoring so that you are always informed if there are more suitable options for you.



**Evaluating Your Spending Habits**

The first step is to understand your monthly expenses across different categories such as:
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- Digital payments
- Wireless transactions
- Dining
- Overseas spending
- Miscellaneous expenses

This information helps us identify your spending patterns and identify the most suitable group of credit cards based on your spend.

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**Custom Credit Card Recommendations**

Next, our AI-driven platform compares your spending patterns with our database of credit cards to calculate 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 Sign-up Bonuses.

We also provide 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 to your selection to enhance your rewards collection. This proactive method ensures you always have the ideal set of cards to achieve the highest returns.

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