Tips for Choosing the Best Credit Cards for Your Spending Habits

Tips for Choosing the Best Credit Cards for Your Spending Habits

Blog Article

How to Choose the Best Credit Cards for Your Lifestyle

Navigating the credit card rewards landscape can be daunting with so many alternatives 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 kept updated if there are better cards available for you.



**Understanding Your Spending Habits**

The first step is to determine your monthly expenses across different categories such as:
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- Online
- Tap-and-go
- Dining
- Foreign Currency Spend
- General Spend

This information helps us gain insight into 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 calculate the potential rewards you could earn from various credit cards, considering factors like reward rates, 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 Welcome Incentives.

We also suggest options for further optimization such as only looking at cards from specific banks or fee-waived cards initially.

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**Dynamic Tracking and Advice**

Since offers and conditions can change over time, our platform continuously updates its recommendations based on your usage patterns and informs you of changes to optimize your setup to maximize your miles earned. This proactive method ensures you always have the ideal set of cards to maximize your rewards and benefits.

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