How to Choose the Most Suitable Credit Cards for Your Needs
How to Choose the Most Suitable Credit Cards for Your Needs
Blog Article
How to Choose the Most Suitable Credit Cards for Your Spending Habits
Understanding the credit card perks options can be confusing with so many choices available, each offering different rewards, incentives, and perks. We have streamlined the process to help you get started in less than 5 minutes, with ongoing monitoring so that you are always informed 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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- Digital payments
- Contactless
- Restaurant spending
- International payments
- Miscellaneous expenses
This information helps us identify your spending patterns and determine the most suitable group of credit cards based on your spend.
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**Personalized Credit Card Recommendations**
Next, our artificial intelligence system compares your spending patterns with our repository of credit cards to calculate the potential rewards you could earn from various credit cards, considering factors like earning ratios, caps, and exclusions.
We maintain an updated database of credit card offers from all leading banks and providers in Singapore, including reward and discount cards as well as Sign-up Bonuses.
We also offer options for further optimization such as only looking at cards from specific banks or no-fee options for the first year.
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**Dynamic Tracking and Advice**
Since card benefits can change over time, our platform keeps track of its recommendations based on your usage patterns and alerts you of changes to optimize your setup to boost your benefit accrual. This adaptable process ensures you always have the ideal set of cards to achieve the highest returns.
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