Tips for Choosing the Most Suitable Credit Cards for Your Needs

Tips for Choosing the Most Suitable Credit Cards for Your Needs

Blog Article

How to Choose the Most Suitable Credit Cards for Your Needs

Navigating the credit card benefits landscape can be overwhelming with so many choices available, each offering different miles, cashback, and bonuses. We have streamlined the process to make it easier to start in less than 5 minutes, with ongoing monitoring so that you are always informed if there are more suitable options for you.



**Analysing Your Spending Habits**

The first step is to understand your monthly expenses across different categories such as:
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- E-commerce
- Tap-and-go
- Food and beverage expenses
- Overseas spending
- Other expenditures

This information helps us better understand your spending patterns and identify the best set 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 evaluate 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 key financial players in Singapore, including miles and cashback 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 card benefits can change over time, our platform keeps track of its recommendations based on your usage patterns and alerts you of changes to optimize your setup to boost your benefit accrual. This adaptable process ensures you always have the ideal set of cards to achieve the highest returns.

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