Steps to Select the Best Credit Cards for Your Spending Habits

Steps to Select the Best Credit Cards for Your Spending Habits

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Tips for Choosing the Top Credit Cards for Your Needs

Exploring the credit card benefits options can be overwhelming with so many alternatives available, each offering different offers, benefits, and advantages. We've optimized the process to make it easier to start in less than 5 minutes, with continuous monitoring so that you are always kept updated if there are improved choices for you.



**Evaluating Your Spending Habits**

The first step is to understand your monthly expenses across different categories such as:
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- Digital payments
- Contactless
- Restaurant spending
- International payments
- Other expenditures

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 database of credit cards to estimate 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 Enrollment Offers.

We also suggest options for further optimization such as only looking at cards from specific banks or no-fee options for the first year.

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**Dynamic Tracking and Advice**

Since credit card terms can change over time, our platform continuously updates its recommendations based on your spending and informs you of changes needed in your card portfolio to enhance your rewards collection. This proactive method ensures you always have the optimal selection to gain the most advantages.

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