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

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

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How to Choose the Best Credit Cards for Your Lifestyle

Understanding the credit card benefits landscape can be confusing with so many choices available, each offering different miles, cashback, and bonuses. We've optimized the process to assist you in beginning in less than 5 minutes, with ongoing monitoring so that you are always informed if there are improved choices for you.



**Evaluating Your Spending Habits**

The first step is to determine your monthly expenses across different categories such as:
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- Online
- Tap-and-go
- Dining
- Overseas spending
- Other expenditures

This information helps us better understand your spending patterns and recommend 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 repository of credit cards to estimate the potential rewards you could earn from various credit cards, considering factors like reward rates, caps, and exclusions.

We keep a current repository of credit card offers from all key financial players in Singapore, including miles and cashback cards as well as Enrollment Offers.

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 keeps track of its recommendations based on your spending and notifies you of changes to optimize your setup to maximize your rewards collection. This adaptable process ensures you always have the best credit card portfolio to gain the most advantages.

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