How to Choose the Most Suitable Credit Cards for Your Spending Habits
How to Choose the Most Suitable Credit Cards for Your Spending Habits
Blog Article
Steps to Select the Best Credit Cards for Your Spending Habits
Exploring the credit card perks arena can be daunting with so many alternatives available, each offering different rewards, incentives, and perks. We've optimized the process to make it easier to start in less than 5 minutes, with ongoing monitoring so that you are always aware if there are improved choices for you.
**Evaluating Your Spending Habits**
The first step is to understand your monthly expenses across different categories such as:
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- E-commerce
- Contactless
- Dining
- Foreign Currency Spend
- General Spend
This information helps us identify your spending patterns and determine the optimal collection of credit cards based on your spend.
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**Custom 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 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 Sign-up Bonuses.
We also offer options for further optimization such as only filtering cards by banks or cards with no required first-year annual fee.
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**Continuous Monitoring and Recommendations**
Since card benefits can change over time, our platform continuously updates its recommendations based on your usage patterns and informs you of changes needed in your card portfolio to maximize your rewards collection. This proactive method ensures you always have the ideal set of cards to maximize your rewards and benefits.
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