Tips for Choosing the Most Suitable Credit Cards for Your Needs

Tips for Choosing the Most Suitable Credit Cards for Your Needs

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Steps to Select the Best Credit Cards for Your Needs

Navigating the credit card perks landscape can be confusing with so many alternatives available, each offering different miles, cashback, and bonuses. We've optimized the process to help you get started in less than 5 minutes, with continuous monitoring so that you are always aware if there are better cards available for you.



**Analysing Your Spending Habits**

The first step is to analyze your monthly expenses across different categories such as:
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- E-commerce
- Wireless transactions
- Food and beverage expenses
- International payments
- General Spend

This information helps us gain insight into your spending patterns and determine the most suitable group of credit cards based on your spend.

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**Tailored 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 earning ratios, caps, and exclusions.

We keep a current repository of credit card offers from all leading banks and providers in Singapore, including air miles and rebate options as well as Sign-up Bonuses.

We also suggest 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 card benefits can change over time, our platform continuously updates its recommendations based on your expenses and alerts you of changes needed in your card portfolio to enhance your benefit accrual. This adaptable process ensures you always have the best credit card portfolio to gain the most advantages.

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