Steps to Select the Top Credit Cards for Your Spending Habits

Steps to Select the Top Credit Cards for Your Spending Habits

Blog Article

How to Choose the Best Credit Cards for Your Lifestyle

Understanding the credit card perks landscape can be overwhelming with so many selections available, each offering different rewards, incentives, and perks. 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 better cards available for you.



**Analysing 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
- Dining
- International payments
- Miscellaneous expenses

This information helps us better understand your spending patterns and determine the most suitable group of credit cards based on your spend.

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**Tailored Credit Card Recommendations**

Next, our automated tool compares your spending patterns with our database of credit cards to evaluate 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 leading banks and providers in Singapore, including reward and discount cards as well as Sign-up Bonuses.

We also offer options for further optimization such as only filtering cards by banks or cards with no required first-year annual fee.

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**Dynamic Tracking and Advice**

Since credit card terms can change over time, our platform regularly refreshes its recommendations based on your spending and notifies you of changes to optimize your setup to boost your rewards collection. This proactive method ensures you always have the ideal set of cards to achieve the highest returns.

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