Tips for Choosing the Top Credit Cards for Your Spending Habits

Tips for Choosing the Top Credit Cards for Your Spending Habits

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Tips for Choosing the Top Credit Cards for Your Needs

Exploring the credit card perks options can be daunting with so many alternatives available, each offering different rewards, incentives, and perks. We've optimized the process to help you get started in less than 5 minutes, with perpetual monitoring so that you are always kept updated if there are more suitable options for you.



**Understanding 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
- General Spend

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 automated tool compares your spending patterns with our collection of credit cards to calculate the potential rewards you could earn from various credit cards, considering factors like earning ratios, caps, and exclusions.

We ensure our database is current of credit card offers from all leading banks and providers in Singapore, including air miles and rebate options as well as Sign-up Bonuses.

We also offer options for further optimization such as only looking at cards from specific banks or fee-waived cards initially.

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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 expenses and informs you of changes to optimize your setup to maximize your benefit accrual. This dynamic approach ensures you always have the ideal set of cards to gain the most advantages.

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