How to Choose the Best Credit Cards for Your Spending Habits

How to Choose the Best Credit Cards for Your Spending Habits

Blog Article

Steps to Select the Best Credit Cards for Your Spending Habits

Navigating the credit card perks landscape can be confusing with so many alternatives available, each offering different miles, cashback, and bonuses. We have streamlined the process to help you get started in less than 5 minutes, with perpetual monitoring so that you are always informed if there are more suitable options for you.



**Understanding Your Spending Habits**

The first step is to determine your monthly expenses across different categories such as:
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- E-commerce
- Contactless
- Dining
- Foreign Currency Spend
- Miscellaneous expenses

This information helps us identify your spending patterns and determine 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 evaluate the potential rewards you could earn from various credit cards, considering factors like earning ratios, caps, and exclusions.

We ensure our database is current 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 provide 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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**Ongoing Updates and Suggestions**

Since offers and conditions can change over time, our platform continuously updates its recommendations based on your expenses and notifies you of changes to your selection to enhance your rewards collection. This dynamic approach ensures you always have the optimal selection to gain the most advantages.

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