How to Choose the Most Suitable Credit Cards for Your Needs

How to Choose the Most Suitable Credit Cards for Your Needs

Blog Article

Steps to Select the Top Credit Cards for Your Needs

Understanding the credit card rewards landscape can be overwhelming with so many alternatives 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 perpetual monitoring so that you are always informed if there are more suitable options for you.



**Analysing Your Spending Habits**

The first step is to analyze your monthly expenses across different categories such as:
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- Online
- Tap-and-go
- Dining
- International payments
- General Spend

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

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**Custom Credit Card Recommendations**

Next, our automated tool compares your spending patterns with our collection 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 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 cards with no required first-year annual fee.

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**Dynamic Tracking and Advice**

Since credit card terms 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 maximize your rewards collection. This adaptable process ensures you always have the best credit card portfolio to maximize your rewards and benefits.

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