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 Spending Habits
Understanding the credit card rewards landscape can be overwhelming with so many choices available, each offering different offers, benefits, and advantages. Our system simplifies 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 determine your monthly expenses across different categories such as:
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- Digital payments
- Contactless
- Food and beverage expenses
- Foreign Currency Spend
- Other expenditures
This information helps us gain insight into your spending patterns and determine the most suitable group 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 collection of credit cards to estimate the potential rewards you could earn from various credit cards, considering factors like incentive percentages, caps, and exclusions.
We keep a current repository of credit card offers from all major banks and financial institutions in Singapore, including air miles and rebate options as well as Sign-up Bonuses.
We also suggest options for further optimization such as only focusing on select bank offerings or cards with no required first-year annual fee.
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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 usage patterns and notifies you of changes to your selection to maximize your miles earned. This adaptable process ensures you always have the ideal set of cards to achieve the highest returns.
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