Steps to Select the Top Credit Cards for Your Needs

Steps to Select the Top Credit Cards for Your Needs

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How to Choose the Top Credit Cards for Your Needs

Navigating the credit card rewards options can be overwhelming with so many selections available, each offering different rewards, incentives, and perks. We have streamlined the process to assist you in beginning in less than 5 minutes, with perpetual monitoring so that you are always informed if there are improved choices for you.



**Evaluating Your Spending Habits**

The first step is to determine your monthly expenses across different categories such as:
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- E-commerce
- Tap-and-go
- Restaurant spending
- International payments
- General Spend

This information helps us identify your spending patterns and determine the best set 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 collection of credit cards to evaluate the potential rewards you could earn from various credit cards, considering factors like incentive percentages, 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 Sign-up Bonuses.

We also provide options for further optimization such as only filtering cards by banks or fee-waived cards initially.

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**Continuous Monitoring and Recommendations**

Since card benefits can change over time, our platform regularly refreshes its recommendations based on your usage patterns and notifies you of changes needed in your card portfolio to enhance your benefit accrual. This proactive method ensures you always have the ideal set of cards to gain the most advantages.

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