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 Top Credit Cards for Your Lifestyle
Navigating the credit card perks options can be daunting with so many selections 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 continuous monitoring so that you are always aware if there are more suitable options for you.
**Understanding Your Spending Habits**
The first step is to analyze your monthly expenses across different categories such as:
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- Digital payments
- Contactless
- Dining
- International payments
- Other expenditures
This information helps us gain insight into 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 AI-driven platform compares your spending patterns with our repository 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 Enrollment Offers.
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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**Ongoing Updates and Suggestions**
Since offers and conditions can change over time, our platform keeps track of its recommendations based on your spending and informs you of changes to your selection to enhance your benefit accrual. This adaptable process ensures you always have the best credit card portfolio to maximize your rewards and benefits.
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