Tips for Choosing the Most Suitable Credit Cards for Your Needs

Tips for Choosing the Most Suitable Credit Cards for Your Needs

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Steps to Select the Top Credit Cards for Your Needs

Exploring the credit card benefits options can be overwhelming with so many selections available, each offering different rewards, incentives, and perks. Our system simplifies the process to assist you in beginning in less than 5 minutes, with ongoing monitoring so that you are always informed if there are better cards available for you.



**Evaluating Your Spending Habits**

The first step is to understand your monthly expenses across different categories such as:
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- E-commerce
- Wireless transactions
- Dining
- International payments
- General Spend

This information helps us identify your spending patterns and determine the optimal collection of credit cards based on your spend.

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**Custom Credit Card Recommendations**

Next, our artificial intelligence system compares your spending patterns with our repository of credit cards to estimate the potential rewards you could earn from various credit cards, considering factors like reward rates, caps, and exclusions.

We ensure our database is current of credit card offers from all major banks and financial institutions in Singapore, including air miles and rebate options as well as Welcome Incentives.

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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**Continuous Monitoring and Recommendations**

Since credit card terms can change over time, our platform regularly refreshes its recommendations based on your expenses and notifies you of changes to your selection to maximize your miles earned. This dynamic approach ensures you always have the best credit card portfolio to maximize your rewards and benefits.

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