How to Choose the Top Credit Cards for Your Spending Habits

How to Choose the Top Credit Cards for Your Spending Habits

Blog Article

Steps to Select the Most Suitable Credit Cards for Your Needs

Understanding the credit card rewards 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 continuous monitoring so that you are always aware if there are improved choices for you.



**Analysing Your Spending Habits**

The first step is to understand your monthly expenses across different categories such as:
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- Online
- Contactless
- Food and beverage expenses
- International payments
- Miscellaneous expenses

This information helps us gain insight into your spending patterns and determine the best set 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 database of credit cards to estimate 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 leading banks and providers in Singapore, including miles and cashback cards as well as Welcome Incentives.

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 card benefits can change over time, our platform continuously updates its recommendations based on your spending and notifies you of changes to optimize your setup to maximize your miles earned. This proactive method ensures you always have the ideal set of cards to achieve the highest returns.

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