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 rewards landscape can be overwhelming with so many choices 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 kept updated if there are improved choices for you.



**Understanding Your Spending Habits**

The first step is to analyze your monthly expenses across different categories such as:
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- Digital payments
- Contactless
- Restaurant spending
- Foreign Currency Spend
- Other expenditures

This information helps us gain insight into your spending patterns and identify 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 evaluate 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 key financial players in Singapore, including air miles and rebate options as well as Welcome Incentives.

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 credit card terms 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 adaptable process ensures you always have the ideal set of cards to achieve the highest returns.

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