Tips for Choosing the Most Suitable Credit Cards for Your Lifestyle

Tips for Choosing the Most Suitable Credit Cards for Your Lifestyle

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How to Choose the Most Suitable Credit Cards for Your Needs

Understanding the credit card benefits arena can be overwhelming with so many selections available, each offering different miles, cashback, and bonuses. We've optimized the process to help you get started in less than 5 minutes, with continuous monitoring so that you are always aware if there are better cards available for you.



**Evaluating Your Spending Habits**

The first step is to analyze your monthly expenses across different categories such as:
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- Online
- Contactless
- Dining
- Foreign Currency Spend
- Other expenditures

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 AI-driven platform compares your spending patterns with our repository of credit cards to evaluate 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 reward and discount cards as well as Welcome Incentives.

We also offer 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 continuously updates its recommendations based on your spending and notifies you of changes to your selection to enhance your benefit accrual. This adaptable process ensures you always have the ideal set of cards to achieve the highest returns.

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