How to Choose the Top Credit Cards for Your Spending Habits

How to Choose the Top Credit Cards for Your Spending Habits

Blog Article

How to Choose the Best Credit Cards for Your Spending Habits

Exploring the credit card benefits landscape can be daunting with so many selections available, each offering different rewards, incentives, and perks. We have streamlined 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 analyze your monthly expenses across different categories such as:
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- Digital payments
- Tap-and-go
- Dining
- Foreign Currency Spend
- General Spend

This information helps us identify your spending patterns and recommend the optimal collection of credit cards based on your spend.

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**Personalized Credit Card Recommendations**

Next, our automated tool 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 Welcome Incentives.

We also suggest options for further optimization such as only filtering cards by banks or no-fee options for the first year.

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**Dynamic Tracking and Advice**

Since card benefits can change over time, our platform keeps track of its recommendations based on your spending and notifies you of changes to optimize your setup to boost your miles earned. This proactive method ensures you always have the optimal selection to gain the most advantages.

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