How to Choose the Best Credit Cards for Your Spending Habits

How to Choose the Best Credit Cards for Your Spending Habits

Blog Article

Tips for Choosing the Most Suitable Credit Cards for Your Spending Habits

Exploring the credit card rewards arena can be confusing 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 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 understand your monthly expenses across different categories such as:
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- Online
- Tap-and-go
- Restaurant spending
- International payments
- Other expenditures

This information helps us identify 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 earning ratios, caps, and exclusions.

We maintain an updated database of credit card offers from all major banks and financial institutions in Singapore, including miles and cashback cards as well as Sign-up Bonuses.

We also suggest 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 regularly refreshes its recommendations based on your spending and notifies you of changes needed in your card portfolio to boost your miles earned. This proactive method ensures you always have the best credit card portfolio to achieve the highest returns.

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