Steps to Select the Top Credit Cards for Your Needs

Steps to Select the Top Credit Cards for Your Needs

Blog Article

Steps to Select the Top Credit Cards for Your Lifestyle

Exploring the credit card rewards arena can be overwhelming with so many alternatives available, each offering different offers, benefits, and advantages. We have streamlined the process to help you get started in less than 5 minutes, with ongoing monitoring so that you are always informed if there are better cards available for you.



**Understanding Your Spending Habits**

The first step is to understand your monthly expenses across different categories such as:
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- Digital payments
- Tap-and-go
- Food and beverage expenses
- Foreign Currency Spend
- Miscellaneous expenses

This information helps us gain insight into your spending patterns and identify the most suitable group 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 database of credit cards to calculate 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 Sign-up Bonuses.

We also provide 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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**Continuous Monitoring and Recommendations**

Since card benefits can change over time, our platform continuously updates its recommendations based on your expenses and alerts you of changes needed in your card portfolio to maximize your miles earned. This dynamic approach ensures you always have the optimal selection to achieve the highest returns.

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